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Trump Tariff Calculator 2026 — Your Cost

Enter your real monthly spending to see exactly how much you pay in hidden tariff costs

Annual Tariff Cost

$1,020

Monthly

$85

Weekly

$20

Daily

$3

Data: February 2026 · Yale Budget Lab, Tax Foundation

Monthly Spending

Defaults are US averages. Adjust to match your spending.

Phones, laptops, TVs, gaming

Apparel, footwear, accessories

Food, coffee, chocolate, olive oil

Car parts, tires, maintenance

Furniture, decor, kitchenware

Washer, dryer, small appliances

Toys, tools, pet supplies, health products

Cost by Category

Electronics
$340/yr
Clothing
$205/yr
Groceries
$151/yr
Other
$140/yr
Home
$78/yr
Auto
$66/yr
Appliances
$39/yr

That Equals...

☕
177
coffees
🎬
66
Netflix mo.
⛽
319
gal. gas
🛒
7
grocery trips

Frequently Asked Questions

Q

How much will Trump tariffs cost the average household in 2026?

According to the Yale Budget Lab and Tax Foundation, Trump tariffs will cost the average US household between $1,300 and $2,100 per year in 2026. The exact amount depends on your income level, spending habits, and which imported goods you buy most. Lower-income families pay a higher percentage of their income — up to 4-5% versus 1-2% for high earners.

Q

What are the current US tariff rates by country in 2026?

As of February 2026, the US applies tariffs of 35-60% on Chinese imports, 15-20% on EU goods, 10-25% on Canadian products (non-USMCA), and 0-25% on Mexican goods. The weighted average tariff rate across all imports is 13.5%, the highest since 1946. Steel and aluminum face 50% tariffs regardless of origin.

Q

Do tariffs affect grocery and food prices?

Yes, but food has the smallest tariff impact — approximately 2-3% price increases. About 15% of US food is imported. The biggest food tariff impacts hit coffee, chocolate, olive oil, seafood, and produce from Mexico and Canada. A typical family pays $50-150 more per year on groceries due to tariffs.

Q

Who pays more from tariffs — rich or poor?

Lower-income households pay 2-3 times more as a percentage of their disposable income. A family earning $40,000 may spend 4-5% of income on tariff costs, while a household earning $150,000 pays only 1-2%. This is because lower-income families spend a larger share of their budget on physical goods like clothing, electronics, and household items.

Q

What products have the highest tariffs in 2026?

Steel and aluminum have the highest tariffs at 50%. Electronics from China face 25-60% tariffs, clothing and shoes 17-35%, auto parts 25%, and home appliances 15-25%. Products with high metal content like electrical equipment and motor vehicles are among the most affected categories.

Q

How are tariffs different from sales tax?

Tariffs function like a hidden sales tax on imported goods. Unlike sales tax shown at checkout, tariffs are built into the price — you never see the tariff amount on your receipt. Both raise consumer costs, but tariffs only apply to imported goods (about 15-97% of products depending on category). The effective tariff rate of 13.5% is higher than most state sales taxes.

Example Calculations

1Middle-Class Family ($80K Income)

Inputs

Household Income$80,000/year
Electronics Spending$200/month
Clothing Spending$150/month
Grocery Spending$800/month
Auto Parts/Maintenance$100/month

Result

Annual Tariff Cost$1,840
Monthly Cost$153
% of Income2.3%
Biggest CategoryElectronics ($456)

Each category is calculated as: monthly spending × 12 × import share × effective tariff rate × pass-through rate. Electronics at $200/month: $2,400/year × 90% imported × 28% tariff × 75% pass-through = $456.

2Budget-Conscious Family ($45K Income)

Inputs

Household Income$45,000/year
Electronics Spending$80/month
Clothing Spending$100/month
Grocery Spending$600/month
Auto Parts/Maintenance$60/month

Result

Annual Tariff Cost$1,120
Monthly Cost$93
% of Income2.5%
Biggest CategoryClothing ($247)

Despite lower absolute spending, a $45K household pays 2.5% of income in tariff costs — a heavier burden than higher earners. Clothing at $100/month: $1,200/year × 97% imported × 21% tariff × 70% pass-through = $247.

3Tech-Heavy Household ($120K Income)

Inputs

Household Income$120,000/year
Electronics Spending$500/month
Clothing Spending$200/month
Grocery Spending$1,000/month
Home Goods$200/month

Result

Annual Tariff Cost$3,210
Monthly Cost$268
% of Income2.7%
Biggest CategoryElectronics ($1,134)

Heavy electronics spending drives a higher absolute tariff cost. Electronics at $500/month: $6,000/year × 90% imported × 28% tariff × 75% pass-through = $1,134. This household pays more in dollars but a similar percentage of income.

Formulas Used

Personal Tariff Cost per Category

Tariff Cost = Monthly Spending × 12 × Import Share × Tariff Rate × Pass-Through Rate

Calculate the hidden tariff cost embedded in each spending category based on how much of that category is imported, the applicable tariff rate, and what percentage of the tariff is passed to consumers.

Where:

Monthly Spending= Your actual monthly spending in this category ($)
Import Share= Percentage of goods in this category that are imported (e.g., 90% for electronics)
Tariff Rate= Effective weighted tariff rate for the category (e.g., 28% for electronics)
Pass-Through Rate= Share of tariff cost passed to consumers (50-80% in 2026)

Tariff Burden as Percentage of Income

Tariff Burden % = (Total Annual Tariff Cost ÷ Household Income) × 100

Shows how much of your income effectively goes toward paying tariff-inflated prices. Lower-income households typically have a higher tariff burden percentage because they spend more of their income on physical goods.

Where:

Total Annual Tariff Cost= Sum of tariff costs across all spending categories
Household Income= Annual pre-tax household income

Understanding How Tariffs Impact Your Wallet in 2026

In 2026, the average American household pays an estimated $1,300 to $2,100 more per year due to import tariffs — a cost that is invisible on store receipts but very real in your budget. This calculator uses data from the Yale Budget Lab, Tax Foundation, and Penn Wharton Budget Model to estimate your personal tariff burden based on your actual spending patterns.

Tariffs are taxes on imported goods paid by US importers, who then pass most of the cost to consumers through higher prices. The pass-through rate varies: JPMorgan estimates businesses absorbed about 80% of tariff costs in 2025, but are now passing 50-80% directly to consumers in 2026. This means the full impact is still building.

The tariff burden is regressive — lower-income households spend a larger share of their budget on physical goods like clothing, electronics, and household items. A family earning $40,000 per year may pay 4-5% of their income in tariff-related price increases, while a family earning $150,000 pays just 1-2%. Understanding your personal exposure helps you make smarter purchasing decisions.

Related Financial Tools

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  • Inflation Calculator

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  • Sales Tax Calculator

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  • Income Tax Calculator

    See your effective tax rate alongside hidden tariff taxes

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Last Updated: Feb 13, 2026

This calculator is provided for informational and educational purposes only. Results are estimates and should not be considered professional financial, medical, legal, or other advice. Always consult a qualified professional before making important decisions. UseCalcPro is not responsible for any actions taken based on calculator results.

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