Taxes · 2026 planning

2026 Federal Tax Withholding & Refund Estimator

Compare a simplified estimate of your 2026 federal income tax with expected withholding to see whether you may be heading toward a refund or balance due.

Planning estimate only. This tool uses 2026 ordinary-income brackets and standard deductions from IRS Rev. Proc. 2025-32. It is not a tax return and does not model every deduction, credit, tax, or special rule.

Filing statusEstimated 2026 ordinary income

Pre-tax deductions

Federal credits

Expected federal withholding

Simplified 2026 federal estimator using ordinary-income tax brackets and the standard deduction. It does not model self-employment tax, capital gains, AMT, itemized deductions, QBI, special deductions, dependent rules, all credits, or state taxes.

Estimated result

$3,230

Estimated refund

Standard deduction

$16,100

Estimated taxable income

$63,900

Estimated federal income tax

$8,770

Expected withholding

$12,000

Official IRS basis

The ordinary-income brackets and standard deduction amounts are based on IRS Revenue Procedure 2025-32 for tax year 2026. Review the IRS source.

Withholding is not liability

A refund generally means more was withheld than the simplified estimated liability. A balance due means the opposite.

Complex returns need more

Self-employment, capital gains, itemized deductions, QBI, special deductions, dependents, credits, and other taxes can materially change the result.