LuniTax · Private federal estimate
2026 federal tax estimate
Ordinary income, long-term capital gains, and a rough self-employment tax — all calculated in your browser using published 2026 rates. No account. Nothing leaves your device.
Wages, interest, ordinary dividends, short-term gains, etc.
Preferential rates (0/15/20%). Leave 0 if none.
Rough SE tax (Social Security + Medicare). Already included in ordinary if you want, or enter here separately.
Standard deduction applied to ordinary income. No state tax, no credits, no AMT, no itemized.
How the estimate works
2026 standard deduction & ordinary brackets
Single $16,100 · Married filing jointly $32,200 · Head of household $24,150. Ordinary income is reduced by the standard deduction, then taxed at 10/12/22/24/32/35/37%. (IRS Revenue Procedure 2025-32.)
Long-term capital gains
Preferential rates stack on top of taxable ordinary income. Approximate 2026 thresholds: 0% up to ~$49,450 (single) / ~$98,900 (joint); 15% up to ~$545,500 (single) / ~$613,700 (joint); 20% above. These are simplified; actual stacking rules are more precise.
Self-employment tax
Rough estimate: 92.35% of net SE profit × 15.3% (12.4% Social Security up to the wage base + 2.9% Medicare). Half is deductible, but this version shows the gross SE tax for planning. Not a substitute for Schedule SE.
What this leaves out
State tax, tax credits, AMT, additional Medicare tax, NIIT, itemized deductions, QBI, and precise capital-gains stacking. Educational estimate only.
Is this tax advice?
No. LuniTax is an educational calculator. Results are estimates based on the numbers you enter and published 2026 federal parameters. They are not tax advice. Consult a tax professional.