Is this calculator exact?

No. It is an estimate based on 2026 federal bracket tables and the standard deduction, plus an optional state tax estimate and a simplified self-employment tax estimate. Real tax returns can differ due to credits, itemized deductions, special income types, and other rules.

What does “tax bracket” mean?

Your marginal tax bracket is the rate applied to the next layer of taxable income. Higher rates apply only to the portion within that bracket, not your entire income.

How does the side hustle estimator work?

It estimates federal income tax on combined income and adds a simplified self-employment tax estimate on net profit. It also suggests a monthly tax set-aside amount.

Can I select a state?

Yes. States with no wage income tax are treated as 0%. For other states, you can enter a custom rate as a simple estimate. Full state-by-state bracket rules are not included in this MVP.

US Tax Bracket Calculator (2026) + Side Hustle Tax Estimator

Find your marginal bracket, effective rate, and (for 1099) a practical monthly tax set-aside. Runs locally in your browser. Not tax advice.

Calculator How to use FAQ Disclaimer Privacy

Inputs

Use W-2 (salary) or 1099 (side hustle). Instant estimates.

2026 • Estimate

Tax Year

Uses 2026 federal bracket thresholds and standard deduction defaults.

Currency (formatting)

Brackets are defined in USD. Convert to USD for meaningful results.

Filing Status

Deduction

Annual Income (Gross)

Use expected W-2 wages (before withholding).

Other Taxable Income (optional)

Examples: taxable interest. Keep it simple for MVP.

State (optional)

MVP: either 0% (no-tax states) or a custom rate estimate.

🔒 Local-only: No data is sent anywhere.

⚠️ Estimate only: Not tax advice.

Results

Instantly updated as you type.

Ready

Taxable income (est.)

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Marginal tax bracket

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Estimated federal income tax

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Estimated self-employment tax

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Estimated state tax

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Estimated total tax

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Effective tax rate (est.)

—

Actionable next step

Enter income to see suggestions.

What changes if I increase deduction by…

This compares estimated federal income tax only using your current inputs (estimate).

Increase deduction	Estimated federal tax savings
+$1,000	—
+$5,000	—
+$10,000	—

How the estimate works (quick)

Step	What we do
1) Add income	W-2 + other income (+ net profit for 1099)
2) Subtract deduction	Standard (default) or custom
3) Apply brackets	Compute tax progressively (in layers)
4) Add SE tax (1099)	Simplified estimate on net profit
5) Optional state	0% (no-tax states) or custom % estimate

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How to use

Pick a mode: W-2 (salary) or 1099 (side hustle).
Enter income: use annual numbers for a clean estimate.
Standard deduction is the simplest baseline (default).
Switch to 1099 button copies your W-2 income into the 1099 tab.
Deduction scenarios show how increasing deductions could reduce federal tax (estimate).
Share link / Copy summary / Save image help you save and share results.

Tip: marginal vs effective rate

Marginal bracket applies to the next dollar of taxable income. Effective rate is total tax ÷ total income.

FAQ

Is this an exact tax return?

No. It’s an estimate for planning. Credits, itemized deductions, special income, and other rules can change the real result.

Why is state tax a custom %?

State rules vary widely (flat, brackets, local taxes). MVP keeps it simple: 0% for no-tax states, otherwise a custom estimate.

Do you store my data?

No. It runs locally. Share links can include inputs in the URL—avoid sharing sensitive amounts.

Disclaimer

This tool is educational and not tax advice.
Results are estimates and may differ from real filings.
Does not include all credits, itemized deductions, or edge cases.

Privacy

No login. No server storage. Runs in your browser.
Share links may include inputs in the URL.
Saved images include an ONDO watermark.