Federal income tax withholding calculator, 2026
Type your pay. The page shows the federal income tax an employer withholds in 2026, in each bracket, with the IRS tables. It is for one job and a Form W-4 of 2020 or later.
Federal income tax withheld in a year
$8,770.00
| Pay | $80,000.00 |
|---|---|
| 401(k) | $0.00 |
| Wages the tax is figured on | $71,400.00 |
| Federal income tax | $8,770.00 |
| Share of your pay | 10.96% |
| Bracket | Rate | Taxed at this rate | Tax |
|---|---|---|---|
| $0 to $7,500 | 0% | $7,500.00 | $0.00 |
| $7,500 to $19,900 | 10% | $12,400.00 | $1,240.00 |
| $19,900 to $57,900 | 12% | $38,000.00 | $4,560.00 |
| $57,900 to $113,200 | 22% | $13,500.00 | $2,970.00 |
| $113,200 to $209,275 | 24% | $0.00 | $0.00 |
| $209,275 to $263,725 | 32% | $0.00 | $0.00 |
| $263,725 to $648,100 | 35% | $0.00 | $0.00 |
| Over $648,100 | 37% | $0.00 | $0.00 |
The brackets are on your wages after the 401(k) and the amount of the IRS worksheet. The marginal rate on your next dollar, with Social Security and Medicare, is 29.65%. This is an estimate for 2026.
The 2026 withholding tables of the IRS
These are the annual Percentage Method tables of Publication 15-T for a Form W-4 of 2020 or later with the Step 2 box not checked. The tax is the base amount plus the rate times your wages over the start of the row. Your wages are your yearly pay less your 401(k) and $8,600 (or $12,900 if you are married filing jointly).
| Wages over | But not over | Base tax | Rate |
|---|---|---|---|
| $0 | $7,500 | $0.00 | 0% |
| $7,500 | $19,900 | $0.00 | 10% |
| $19,900 | $57,900 | $1,240.00 | 12% |
| $57,900 | $113,200 | $5,800.00 | 22% |
| $113,200 | $209,275 | $17,966.00 | 24% |
| $209,275 | $263,725 | $41,024.00 | 32% |
| $263,725 | $648,100 | $58,448.00 | 35% |
| $648,100 | No limit | $192,979.25 | 37% |
| Wages over | But not over | Base tax | Rate |
|---|---|---|---|
| $0 | $19,300 | $0.00 | 0% |
| $19,300 | $44,100 | $0.00 | 10% |
| $44,100 | $120,100 | $2,480.00 | 12% |
| $120,100 | $230,700 | $11,600.00 | 22% |
| $230,700 | $422,850 | $35,932.00 | 24% |
| $422,850 | $531,750 | $82,048.00 | 32% |
| $531,750 | $788,000 | $116,896.00 | 35% |
| $788,000 | No limit | $206,583.50 | 37% |
| Wages over | But not over | Base tax | Rate |
|---|---|---|---|
| $0 | $15,550 | $0.00 | 0% |
| $15,550 | $33,250 | $0.00 | 10% |
| $33,250 | $83,000 | $1,770.00 | 12% |
| $83,000 | $121,250 | $7,740.00 | 22% |
| $121,250 | $217,300 | $16,155.00 | 24% |
| $217,300 | $271,750 | $39,207.00 | 32% |
| $271,750 | $656,150 | $56,631.00 | 35% |
| $656,150 | No limit | $191,171.00 | 37% |
How to use the calculator
- Type your pay for the year.
- Choose your filing status.
- Type the share of your pay that goes to a 401(k), if you have one.
- Read your federal tax and the tax in each bracket.
Questions
How much federal income tax is withheld on $80,000?
For a single worker, $80,000 a year gives $8,770.00 in federal income tax withholding in 2026. This is $337.31 every two weeks. The federal tax and FICA on your next dollar is 29.65%.
What are the 2026 withholding brackets?
The IRS schedule for single or married filing separately is: 0% up to $7,500; 10% from $7,500 to $19,900; 12% from $19,900 to $57,900; 22% from $57,900 to $113,200; 24% from $113,200 to $209,275; 32% from $209,275 to $263,725; 35% from $263,725 to $648,100; 37% over $648,100. The amounts are your yearly pay after the $8,600 of the IRS worksheet and your 401(k).
How does the IRS figure the withholding?
It follows Worksheet 1A of Publication 15-T. Take your yearly pay and subtract your 401(k). Subtract $8,600, or $12,900 if you are married filing jointly. Find the row of the schedule, add its base amount, and add its rate times the pay over the start of the row. Divide by the number of paychecks.
Is the withholding the tax I owe?
No. The withholding is an advance on your tax. For a full year at one job, it matches the tax of the year with the standard deduction. Your tax return sets the tax you owe, and it can be different because of credits, other income and deductions.
What is the difference between the marginal and the average rate?
The average rate is your tax divided by your pay. The marginal rate is the tax on your next dollar. The marginal rate is usually higher, because each bracket has a higher rate.