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US · 2026 federal · FreeEstimate your federal refund or amount owed using standard deduction, current brackets, withholding, and credits.
2026 federal · multi-step
Age 65+ adds $6,000 to the standard deduction in this model.
Estimated refund
$4,330
Effective tax rate
10.2%
After credits, as % of AGI
Marginal tax rate
22.0%
On your top dollar of taxable income
Estimates are for education only and do not constitute tax advice. Actual liability depends on your full return, credits, phase-outs, and IRS rules. Cashsembly is not affiliated with the IRS.
Enter your filing status, gross income, federal tax withheld from your W-2, and any credits. The calculator subtracts your standard deduction to find taxable income, applies 2026 IRS brackets, then compares your tax owed to what you already withheld.
For 2026, the standard deduction is $16,100 for single filers, $32,200 for married filing jointly, $24,150 for head of household, and $16,100 for married filing separately. Filers age 65+ receive an additional $2,050 (single/HoH) or $1,650 per qualifying spouse (MFJ).
The IRS issues most e-filed refunds within 21 days. Paper returns can take 6–8 weeks.
No, this calculator estimates federal income tax only. State taxes vary and are not included.
The Child Tax Credit is $2,200 per qualifying child under age 17. It begins to phase out above $200,000 for single filers and $400,000 for married filing jointly.