Free Tool

Effective Tax Rate Estimator

Plug in your income and see your 2026 federal income tax, self-employment tax if you are a business owner, your marginal bracket, and your true effective rate. Most people confuse the two. Your marginal rate is the tax on your next dollar. Your effective rate is what you actually pay on the whole thing.

Your numbers
Federal only. State tax is separate and varies a lot.
$

For W2, this is your wages. Self-employment uses your net business profit.

Your effective federal rate
0%
Your true tax cost as a share of every dollar you earned.
Taxable income (after standard deduction)$0
Federal income tax$0
Self-employment tax$0
Total federal tax$0
Marginal bracket0%
After-tax income$0

Uses 2026 standard deduction and brackets. Assumes the standard deduction and no other credits or deductions. Real planning, retirement contributions, QBI, and itemizing can pull the effective rate down. That is the conversation.

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Educational estimate only, not tax advice. Uses 2026 figures. Standard deduction: single $16,100, married joint $32,200, head of household $24,150. Brackets per IRS Revenue Procedure 2025-32. Self-employment tax uses the 92.35% factor, 15.3% rate up to the $184,500 Social Security wage base then 2.9% Medicare, and deducts half of SE tax before income tax. Excludes credits, itemized deductions, QBI, the 0.9% Medicare surtax, net investment income tax, and state tax.