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2026 federal brackets and standard deduction from IRS Rev. Proc. 2025-32. Social Security wage base $184,500.
State tax: real 2026 brackets for all 50 states + DC (Tax Foundation). No-tax states are $0. Some bracket widths still use 2025 inflation adjustments where 2026 wasn't published — labeled in the state note. Manual rate override still available.
W-2: employee FICA 7.65% (SS capped) + Additional Medicare Tax where it applies. Federal tax after the standard deduction.
1099: self-employment tax 15.3% on 92.35% of net profit (SS capped). Half of SE tax deductible. Simplified 20% QBI (phaseouts ignored).
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Estimate only — not tax, legal, or financial advice. Real returns depend on credits, withholding, retirement contributions, health coverage, local taxes, QBI limits, and other facts. Talk to a tax professional before you decide.