US Tax and Finance Calculators for 2026
These US tax calculators use 2026 federal rules from the IRS and the U.S. Department of Labor, including the $16,100 standard deduction for single filers and overtime at 1.5 times pay after 40 hours. Pick a calculator, enter your figures and see each step of the result.
Updated Source IRS, SSA and DOLHow we check figures
| Federal income tax, single, 2026 | |
| Standard deduction | $16,100 |
| Up to $12,400 | 10% |
| $12,401 to $50,400 | 12% |
| $50,401 to $105,700 | 22% |
| $105,701 to $201,775 | 24% |
| Payroll and pay rules | |
| Social Security, to $184,500 | 6.2% |
| Medicare, no cap | 1.45% |
| FLSA overtime after 40 hours | 1.5x |
| Federal minimum wage | $7.25 |
| 401(k) employee limit | $24,500 |
IRS Rev. Proc. 2025-32, SSA and DOL. Brackets continue to 32%, 35% and 37%.
Where we are in the 2026 tax year
Day 288 of 365, from to
- 2025 returns and tax due
- Extended 2025 returns dueToday
- Last day of the 2026 tax year
- Fourth 2026 estimated payment due
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All US calculators
4 calculators for the United States, grouped by what they work out. Each row shows what the calculator works out and the federal figure it is built on.
Overtime pay calculator (FLSA)
Overtime pay at time and a half for hours over 40 in a workweek under the Fair Labor Standards Act.
Pay stub calculator
Gross to net pay on a pay stub after federal income tax withholding, Social Security and Medicare.
Savings goal calculator
How much to save each month to reach a savings target by the date you choose.
Showing calculators that match "".
Pay and paycheck calculators 2 calculators
Overtime under the Fair Labor Standards Act and take-home pay after federal withholding, Social Security and Medicare. Some states add their own overtime and income tax rules on top.
- Overtime pay calculator (FLSA)
Overtime pay at time and a half for hours over 40 in a workweek under the Fair Labor Standards Act.
1.5xRate over 40 hours - Pay stub calculator
Gross to net pay on a pay stub after federal income tax withholding, Social Security and Medicare.
7.65%Employee FICA rate
Savings calculators 1 calculator
How much to save each month to reach a target by a date you choose.
- Savings goal calculator
How much to save each month to reach a savings target by the date you choose.
Family and support calculators 1 calculator
Estimates of spousal support from both spouses' incomes. Each state sets its own rules and a court decides the final amount.
- Alimony calculator
An estimate of spousal support payments from both spouses' incomes. Courts decide the final amount.
No US calculator matches that yet. Request one and tell us what you need to work out.
US federal tax and pay rates for 2026 at a glance
For 2026, single filers subtract a $16,100 standard deduction and pay 10% federal income tax on the first $12,400 of taxable income, then 12%, 22%, 24%, 32%, 35% and 37% as income rises. Employees also pay 6.2% Social Security on wages up to $184,500 and 1.45% Medicare on all wages.
| Rate | Single | Married filing jointly |
|---|---|---|
| 10% | Up to $12,400 | Up to $24,800 |
| 12% | $12,401 to $50,400 | $24,801 to $100,800 |
| 22% | $50,401 to $105,700 | $100,801 to $211,400 |
| 24% | $105,701 to $201,775 | $211,401 to $403,550 |
| 32% | $201,776 to $256,225 | $403,551 to $512,450 |
| 35% | $256,226 to $640,600 | $512,451 to $768,700 |
| 37% | Over $640,600 | Over $768,700 |
| Figure | Applies to | 2026 |
|---|---|---|
| Standard deduction, single | Also married filing separately | $16,100 |
| Standard deduction, married filing jointly | Both spouses together | $32,200 |
| Standard deduction, head of household | Unmarried with a qualifying person | $24,150 |
| Social Security tax, employee | Wages up to $184,500 | 6.2% |
| Medicare tax, employee | All wages; 0.9% more above $200,000 single | 1.45% |
| FLSA overtime rate | Hours over 40 in a workweek, non-exempt employees | 1.5x |
| Federal minimum wage | Covered employees; many states set more | $7.25 |
| 401(k) employee deferral limit | Traditional and Roth combined | $24,500 |
A single filer earning $60,000 in wages in 2026 has $43,900 of taxable income after the standard deduction, so federal income tax is $5,020 ($1,240 at 10% plus $3,780 at 12%). Social Security and Medicare add $4,590, leaving $50,390 before state tax and any retirement contributions. The pay stub calculator splits this by pay period.
Which US calculator answers your question
The right US calculator depends on whether the rule is federal or set by your state: the IRS sets federal income tax, the Social Security Administration sets the wage base, the Department of Labor enforces the FLSA overtime rule, and states set their own income tax, overtime extras and support guidelines.
| Your question | Use this calculator | Have this ready |
|---|---|---|
| Was my overtime paid correctly? | FLSA overtime | Regular rate and hours worked in the workweek |
| What will my paycheck be after taxes? | Pay stub | Gross pay, pay frequency and filing status |
| How much should I save each month? | Savings goal | Target amount, date and expected interest rate |
| What could spousal support be? | Alimony | Both spouses' incomes and the length of the marriage |
Where federal rules stop and state rules start
Federal law sets a floor and states can build on it: the FLSA requires overtime after 40 hours a week, but a few states also require daily overtime, and nine states charge no income tax on wages at all.
California
Daily overtimeOvertime after 8 hours in a day as well as 40 in a week, and double time after 12 hours in a day.
Alaska and Nevada
Daily overtimeBoth add overtime after 8 hours in a day; in Nevada it applies to employees paid under 1.5 times the state minimum wage.
Colorado
Daily overtimeOvertime after 12 hours in a day or 12 consecutive hours, as well as after 40 in a week.
Every other state
FLSA floorOvertime after 40 hours in a workweek, at 1.5 times the regular rate, with no daily rule.
| States | Count |
|---|---|
| Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming | 9 |
The FLSA overtime calculator applies the federal weekly rule. If you work in California, Alaska, Nevada or Colorado, check the daily rule with your state labor department as well; where state and federal rules differ, the one that pays the employee more applies.
The US tax year and the dates that matter
The US tax year for individuals is the calendar year, so 2026 runs from to . 2026 returns are due on , and anyone paying estimated tax makes the last 2026 payment by .
| Date | What happens |
|---|---|
| 2026 brackets, standard deduction and $184,500 Social Security wage base apply | |
| 2025 returns and tax due; first 2026 estimated payment | |
| Extended 2025 returns due | |
| 2026 tax year ends | |
| Fourth 2026 estimated tax payment due | |
| 2026 returns and tax due |
What changed for 2026
For 2026 the standard deduction rose to $16,100 for single filers, every bracket threshold rose for inflation, and the Social Security wage base rose to $184,500. The One Big Beautiful Bill Act of 2025 made the seven-bracket structure permanent and added new deductions that matter for paychecks.
| Figure | 2025 | 2026 |
|---|---|---|
| Standard deduction, single | $15,750 | $16,100 |
| Standard deduction, married filing jointly | $31,500 | $32,200 |
| Social Security wage base | $176,100 | $184,500 |
| 401(k) employee limit | $23,500 | $24,500 |
The new deduction for qualified overtime pay lets eligible workers deduct the premium part of FLSA overtime, up to $12,500 a year for single filers and $25,000 for joint filers, with income limits. It is claimed on the tax return, so it does not change the overtime your employer pays; the FLSA overtime calculator shows the premium portion separately.
Mistakes that give the wrong US figure
The common US slips are applying your top bracket to all income, forgetting the standard deduction, leaving bonuses out of the overtime rate, and assuming salaried means exempt from overtime.
Applying the top rate to everything
Federal brackets are marginal. A single filer with $60,000 of wages is in the 12% bracket but pays $5,020, about 8.4% of wages, because the deduction and the 10% band come first.
Leaving bonuses out of the regular rate
Under the FLSA, nondiscretionary bonuses and shift premiums are part of the regular rate used for overtime. Leaving them out understates every overtime hour.
Assuming salaried staff are exempt
Being paid a salary does not by itself remove overtime rights. An employee must also meet a salary level and a duties test to be exempt; otherwise hours over 40 earn time and a half.
Ignoring state tax
A paycheck in California or New York loses state income tax that a paycheck in Texas or Florida does not, so a federal-only figure overstates take-home pay in most states.
How these US calculators are built and checked
Each US calculator takes its rates from the IRS, the Social Security Administration, the Department of Labor or the Code of Federal Regulations, models the formula independently, and must match that model on test cases at every threshold before it is published.
When a rate changes, usually on 1 January, the calculator, its examples and its source dates are updated together. Read the full process in our Editorial Policy.
Frequently asked questions
Short answers to the questions people ask most about US federal tax and pay rules in 2026.
For single filers in 2026, federal income tax is 10% up to $12,400 of taxable income, 12% to $50,400, 22% to $105,700, 24% to $201,775, 32% to $256,225, 35% to $640,600 and 37% above. Joint filer thresholds are roughly double.
The 2026 standard deduction is $16,100 for single filers and married filing separately, $32,200 for married filing jointly and $24,150 for heads of household.
Non-exempt employees earn at least 1.5 times their regular rate for every hour over 40 in a workweek. At $20 an hour, a 46-hour week pays $800 for the first 40 hours and $180 for the 6 overtime hours, $980 in total.
Employees pay 6.2% Social Security on wages up to $184,500 in 2026 and 1.45% Medicare on all wages, 7.65% in total. Wages over $200,000 for a single filer add 0.9% Additional Medicare Tax.
Nine states do not tax wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. Residents still pay federal income tax, Social Security and Medicare.
Employees can defer up to $24,500 into a 401(k) in 2026, across traditional and Roth contributions. Workers aged 50 and over can add catch-up contributions on top.
Eligible workers can deduct the premium part of qualified overtime, the extra half above the regular rate, up to $12,500 for single filers or $25,000 for joint filers, with income limits. The deduction runs for tax years 2025 to 2028.
Yes. Every calculator is free, with no account, no sign-up and no personal details asked for. The site is supported by labelled advertising kept away from inputs and results.
No. Results are estimates for planning, built from federal rules. State and local taxes, W-4 choices, benefits and court decisions can change the real figure, so confirm important numbers with the IRS, your state agency, your employer or a qualified adviser.
Sources
Every figure on this page comes from these official publications. Each calculator page lists its own sources as well.
- Revenue Procedure 2025-32, inflation adjustments for tax year 2026, Internal Revenue Service. Checked .
- Contribution and benefit base, Social Security Administration. Checked .
- Publication 15 (Circular E), Employer's Tax Guide, Internal Revenue Service. Checked .
- Overtime pay, Wage and Hour Division, U.S. Department of Labor (Fair Labor Standards Act, 29 U.S.C. 207; 29 CFR Part 778). Checked .
- Minimum wage and state minimum wage laws, U.S. Department of Labor. Checked .
- 401(k) and profit-sharing plan contribution limits, Internal Revenue Service. Checked .
- One, Big, Beautiful Bill provisions, Internal Revenue Service. Checked .
Calculators for other countries
Tax years, rates and employment rules differ by country, so each one has its own set. Browse every calculator.
- United Kingdom calculators2026/27, 6 Apr to 5 Apr
Take-home pay, VAT, National Insurance, council tax, statutory pay, mortgages and student loans for 2026/27.
- Australia calculators2026-27, 1 Jul to 30 Jun
Income tax, GST, stamp duty, super, FBT, payroll tax and redundancy pay for 2026-27.
- Canada calculators2026, calendar year
Income tax by province, vacation pay, overtime, severance, minimum wage, RRSP and TFSA for 2026.
- New Zealand calculators2026/27, 1 Apr to 31 Mar
Minimum wage, paid parental leave and bright-line property tax for 2026/27.
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Disclaimer
Calculation methodology sourced from official government publications. See our Editorial Policy for how we build and maintain our calculators.
Results are estimates for planning, not tax, legal or financial advice. State and local taxes, W-4 elections, benefits, employment contracts and court decisions can change the real figure. Confirm important numbers with the IRS, your state agency, your employer or a qualified adviser before acting.