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Tax Planning Hub
Federal tax planning calculators and guides updated for 2026: brackets, capital gains, estate tax, QCDs, and Medicare IRMAA, all on the current IRS and CMS figures.
Federal tax questions are easier to answer when the calculator and the explainer live in the same place. This hub pairs the tax bracket, capital gains, estate, QCD, and IRMAA calculators with plain-English guides on how each one actually works. All figures are the 2026 IRS values from Rev. Proc. 2025-32 and the 2026 CMS Medicare Parts A and B premiums, so the numbers you see here match what your return and Medicare premium will use.
Start with the tax bracket calculator to see marginal and effective rates on your 2026 taxable income, then use the guides to understand how gains stack on ordinary income, how the estate exemption interacts with portability, and how QCDs and Roth conversion timing can keep IRMAA under a cliff.
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Tax Bracket CalculatorSee your 2026 marginal and effective federal rate at a given taxable income.
Calculators
Planning and reference guides
Common questions
- What is the 2026 standard deduction?
- 16,100 dollars for single filers, 32,200 for married filing jointly, and 24,150 for head of household under IRS Rev. Proc. 2025-32.
- Where does the 0 percent long-term capital gains bracket end in 2026?
- Taxable income up to 49,450 dollars single or 98,900 married filing jointly qualifies for the 0 percent long-term capital gains rate.
- Where does the first 2026 IRMAA cliff start?
- Above 109,000 dollars single or 218,000 married filing jointly on your 2024 modified AGI. It is a cliff, so one dollar over triggers the full surcharge for the year.
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Sources and methodology
All figures are the 2026 IRS values from Rev. Proc. 2025-32 and the 2026 CMS Medicare Parts A and B premium notice. Bracket boundaries, standard deductions, capital gains thresholds, the estate exemption, and IRMAA tiers are checked against those primary sources. See our full methodology page for how we source and review each figure.
Last reviewed .