2026 Income Tax Calculator
Estimate your income tax, effective and marginal tax rates, and take-home pay for the 2026 tax year in 8 countries: the US (federal), UK, Canada, Australia, Germany, France, the Netherlands and Sweden.
Results are simplified estimates of income tax only. See what is and isn't included.
How this income tax calculator works
The calculator estimates income tax on a yearly salary or other income. It takes your gross annual income, subtracts the country's standard deduction or tax-free allowance plus any extra deductions you enter, and applies that country's progressive tax brackets to what's left. Each bracket's rate only applies to the part of your income that falls inside it. Where a country has a main tax credit or levy that applies to most people — such as Canada's basic personal amount, the Dutch labour tax credit or Australia's Medicare levy — that is included too.
You get:
- Total income tax, with a breakdown of how much comes from each bracket, plus any credits or levies applied
- Taxable income after the deduction or allowance
- Effective tax rate: total tax as a percentage of gross income
- Marginal tax rate: the rate on your next unit of income
- Take-home pay: gross income minus the estimated income tax
Worked example: $75,000, United States, single filer (2026)
| Gross income | $75,000 |
|---|---|
| Standard deduction | −$16,100 |
| Taxable income | $58,900 |
| 10% on the first $12,400 | $1,240 |
| 12% on the next $38,000 | $4,560 |
| 22% on the remaining $8,500 | $1,870 |
| Total income tax | $7,670 |
| Effective rate / marginal rate | 10.23% / 22% |
| Take-home pay (after income tax only) | $67,330 |
2026 federal figures. Federal income tax only — Social Security, Medicare and state tax are not included.
How to use it
- Choose a country. The calculator covers the United States, United Kingdom, Canada, Australia, Germany, France, the Netherlands and Sweden.
- Enter your gross annual income in that country's currency, before any tax is taken off.
- Pick a filing status. Single is available everywhere. Married filing jointly and head of household are available for the US, and married for Germany.
- Optionally add deductions under Advanced Options — amounts that reduce taxable income on top of the standard deduction or allowance.
- Select Calculate Tax and open the bracket breakdown to see how each rate was applied.
What's included — and what isn't
This is a simplified estimate meant for planning and comparing scenarios, not for filing a return. It uses the latest published figures for each country (listed below) and assumes a resident employee with one main income. Your actual bill depends on your full circumstances.
Not included in any country:
- Social security and payroll contributions (e.g. US FICA, UK National Insurance, Canada CPP/EI)
- State, provincial, regional or local income taxes
- Tax credits, rebates and offsets other than those listed for each country below
- Capital gains, investment income rules and other special income types
To check your actual liability, use your tax authority's official tools or speak to a qualified tax adviser.
What the calculator models in each country
United States
2026 federal income tax. Standard deduction of $16,100 (single), $32,200 (married filing jointly) or $24,150 (head of household), then seven brackets from 10% to 37%. State tax, Social Security and Medicare (FICA), and credits such as the Child Tax Credit are not included. IRS tax brackets
United Kingdom
2026–27 income tax for England, Wales and Northern Ireland: £12,570 personal allowance, then 20%, 40% and 45%. The allowance is reduced by £1 for every £2 of income over £100,000, so between £100,000 and £125,140 each extra £1 effectively costs 60p in tax. Scottish rates, National Insurance and Marriage Allowance are not included. GOV.UK income tax rates
Canada
2026 federal tax: 14%, 20.5%, 26%, 29% and 33%. The basic personal amount ($16,452, reduced to $14,829 at higher incomes) is applied as a 14% tax credit. Provincial or territorial tax, CPP/EI contributions and other credits are not included. CRA federal tax rates
Australia
2026–27 resident rates: nothing on the first $18,200, then 15%, 30%, 37% and 45%. Includes the low income tax offset (up to $700) and the 2% Medicare levy with its low-income phase-in (using the 2025–26 thresholds until 2026–27 thresholds are published). The Medicare levy surcharge, study-loan repayments and other offsets are not included. ATO resident tax rates
Germany
2026 statutory tax formula: €12,348 basic allowance, a rate that rises from 14% to 42%, and 45% from €277,826. Deducts the €1,230 employee lump sum and €36 special-expense lump sum (€72 if married). Married couples use income splitting. Deductible social insurance contributions are not subtracted, so tax is overstated for most employees; solidarity surcharge and church tax are not included. § 32a EStG tariff
France
Tax on 2025 income (paid in 2026) for one person: the 10% deduction for professional expenses (minimum €509, maximum €14,555), then 0%, 11%, 30%, 41% and 45%. The family quotient for couples and children, the décote reduction for low tax amounts, and social contributions (CSG/CRDS) are not included. Service-Public income tax scale
Netherlands
2026 box 1 rates of 35.75%, 37.56% and 49.50% (the first two include national insurance contributions), with the general tax credit and the labour tax credit, treating all income as employment income. Assumes you are below state pension age. Box 2 and 3 income and other credits are not included. Belastingdienst
Sweden
2026, under 66: the basic allowance (grundavdrag), the national average municipal rate of 32.38%, 20% state tax on taxable income above 643,000 kr, and the job tax credit (jobbskatteavdrag). Municipal rates range from about 28.9% to 35.7%, so your result will differ. Burial and church fees and other tax reductions are not included. Skatteverket
Effective vs marginal tax rate
Your marginal rate is the rate on the top slice of your taxable income — the rate a raise or bonus would be taxed at. Your effective rate is your total income tax divided by your gross income, so it shows your overall share.
In the example above, the marginal rate is 22% but the effective rate is 10.23%, because the $58,900 of taxable income is spread across the 10%, 12% and 22% brackets. Moving into a higher bracket only affects income above that bracket's threshold, so earning more never reduces take-home pay in this calculation.
Frequently asked questions
Is the take-home pay figure my actual net pay?
No. It is gross income minus estimated income tax only. Your payslip will also reflect items like social security contributions, regional taxes, pension contributions and benefits, so your actual net pay will usually be lower.
Why can't I choose "married" for the UK or Canada?
Those countries tax individuals separately rather than offering joint filing, so the calculator uses single rates. Joint options are offered only for the US (married filing jointly, head of household) and Germany (married).
What should I enter as additional deductions?
Amounts that reduce your taxable income on top of the standard deduction or allowance, such as deductible pension contributions. Don't enter tax credits here: credits reduce tax directly and aren't modelled. Deductions can't exceed your gross income.
Which tax year do the results use?
The latest published figures for each country: 2026 for the US, Canada, Germany, the Netherlands and Sweden, 2026–27 for the UK and Australia, and 2025 income for France. The result shows which year was used. Rates change every year, so check your tax authority's current figures before relying on a result.
Do you store the numbers I enter?
Your inputs are sent to the Orbit2x server to run the calculation, and the result is sent back to the page. The calculator doesn't save your inputs and doesn't need an account. See the privacy policy for details.
Can I use this to file my tax return?
No. Use it to get a rough idea of your income tax and to compare scenarios. For filing, use your tax authority's official service or approved software, or ask a qualified tax adviser.
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