U-Retire Financial Group

2026 Federal Tax Calculator

Estimate how ordinary income, short-term capital gains and long-term capital gains may affect your federal income tax.

Educational planning tool

Enter Your Information

Capital-gain rule: Short-term capital gains are generally taxed using ordinary income tax rates. Long-term capital gains use the separate 0%, 15% and 20% preferential rates and are stacked on top of taxable ordinary income.

Estimated Results

Standard deduction$0
Deduction used$0
Taxable ordinary income + STCG$0
Taxable long-term capital gain$0
Ordinary income tax$0
Long-term capital-gain tax$0
Estimate only: Excludes credits and additional taxes. This is not your refund or balance due. See the disclaimer and limitations below.
Estimated Federal Income Tax Before Credits
$0
Effective tax rate0.00%

How Your Estimate Is Calculated

Ordinary Income + Short-Term Capital Gain
RateBracketTaxable in BracketTax
Long-Term Capital Gain
RateBandGain in BandTax

Want to see how taxes may affect your retirement?

IRA withdrawals, Roth conversions, Social Security, RMDs, Medicare and capital gains can interact. A personalized retirement tax review can help you understand the potential impact.

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Important Disclaimer & Limitations

This calculator is provided by U-Retire Financial Group for general educational and illustrative purposes only. It is not tax, legal, accounting or investment advice, does not prepare a tax return, and does not establish a professional-client relationship. No tax outcome or savings is promised.

Results are approximate and depend on your inputs and simplified assumptions. Accuracy, completeness and applicability to your circumstances are not guaranteed. Laws and guidance may change. Do not use this estimate alone to file a return, determine payments, or make financial decisions. Have a qualified tax professional independently verify your situation.

This tool models 2026 ordinary income rates and the general 0%, 15% and 20% long-term capital-gain rates for the filing statuses shown, using the larger of the basic standard deduction or the total itemized deductions entered. It excludes tax credits, withholding, estimated payments, refunds, NIIT, AMT, payroll and self-employment taxes, QBI, additional age/blindness and senior deductions, special deductions and deduction limits, dependent rules, Social Security taxability, qualified dividends, capital-loss netting, collectibles, depreciation recapture, and state or local taxes. Enter only the taxable portion of income; do not enter full Social Security benefits as ordinary income. Itemized deductions must already reflect applicable eligibility rules and limits.

To the extent permitted by applicable law, U-Retire Financial Group disclaims warranties regarding this tool and liability for losses arising from reliance on its estimates. Nothing here excludes liability or rights that cannot legally be excluded. This site is not affiliated with or endorsed by the IRS or any government agency.

Reference: IRS Revenue Procedure 2025-32, 2026 inflation adjustments.