Effective Tax Rate Calculator 2026
Updated for the 2026 tax year · Last updated June 13, 2026
Your effective federal tax rate (2026)
11.6%
$9,870 federal income tax on $85,000 of income
| Gross income | $85,000 |
| Federal income tax | −$9,870 |
| After federal income tax | $75,130 |
Your effective rate is total federal income tax ÷ gross income — lower than your top marginal bracket because the brackets are progressive and the standard deduction ($16,100) shields the first dollars. Excludes FICA and state tax.
About this calculator
Your effective tax rate is the share of your income that actually goes to federal income tax — lower than your top bracket because brackets are progressive and the standard deduction shields your first dollars. This calculator computes it for 2026.
FAQ
What is an effective tax rate?
Total federal income tax divided by gross income. It is lower than your marginal (top-bracket) rate because lower brackets and the standard deduction reduce the average.
Effective rate vs marginal rate — what's the difference?
Marginal rate is the tax on your next dollar (your top bracket). Effective rate is the average across all your income. Most people's effective rate is several points below their marginal rate.
Does this include FICA and state tax?
No, it covers federal income tax only. FICA (7.65%) and any state income tax are separate.
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2026 federal figures from IRS Rev. Proc. 2025-32 and Notice 2025-67; SSA wage base. Estimates for guidance only, not tax advice.