Federal Tax Calculator 2025-2026
Estimate your federal income tax, Social Security, and Medicare deductions based on 2025-2026 tax brackets.
Our free federal tax calculator helps you calculate federal income tax, Social Security, and Medicare withholdings for 2025-2026. This federal tax withholding calculator estimates your net take-home pay by calculating federal tax deductions based on your gross income, filing status, and 2025-2026 tax brackets. Use this federal income tax calculator to understand how much federal tax will be withheld from your paycheck.
Standard deduction applied: $15,000.00 (single)
1. Annualize your gross pay based on pay period
2. Apply standard deduction to get taxable income
3. Calculate federal tax using 2025-2026 progressive brackets
4. Social Security = Gross × 6.2% (up to wage base)
5. Medicare = Gross × 1.45%
6. Convert annual taxes back to your pay period
Monthly gross pay of $5,000 (Single):
Annual gross: $5,000 × 12 = $60,000
Taxable income: $60,000 - $15,000 = $45,000
Federal tax (annual): ~$4,740 → Monthly: ~$395
Social Security: $5,000 × 6.2% = $310
Medicare: $5,000 × 1.45% = $72.50
Net pay: ~$4,222.50
How the Federal Tax Calculator Works
The federal tax calculator uses 2025-2026 tax brackets to calculate your federal income tax based on your filing status (single or married). It applies the standard deduction ($15,750 for single filers, $31,500 for married filing jointly) and calculates tax using progressive brackets ranging from 10% to 37%. The calculator also accounts for Social Security tax (6.2% on wages up to $176,100) and Medicare tax (1.45% on all wages, plus 0.9% additional Medicare for high earners).