What this calculator does
Enter your filing status, your income and your deduction. The calculator shows your 2026 federal tax bracket (marginal rate), how much of your taxable income falls in each bracket, the tax from each one and your effective tax rate. It uses the 2026 brackets and standard deductions published by the IRS in Revenue Procedure 2025-32.
2026 federal income tax brackets
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0–$12,400 | $0–$24,800 | $0–$17,700 |
| 12% | $12,400–$50,400 | $24,800–$100,800 | $17,700–$67,450 |
| 22% | $50,400–$105,700 | $100,800–$211,400 | $67,450–$105,700 |
| 24% | $105,700–$201,775 | $211,400–$403,550 | $105,700–$201,750 |
| 32% | $201,775–$256,225 | $403,550–$512,450 | $201,750–$256,200 |
| 35% | $256,225–$640,600 | $512,450–$768,700 | $256,200–$640,600 |
| 37% | Over $640,600 | Over $768,700 | Over $640,600 |
Standard deduction for 2026: $16,100 single, $32,200 married filing jointly, $24,150 head of household.
Marginal rate vs. effective rate
The U.S. taxes income in layers. Each rate applies only to the part of your taxable income inside its range. Example: a single filer earning $85,000 with the standard deduction has $68,900 of taxable income. The first $12,400 is taxed at 10% ($1,240), the next $38,000 at 12% ($4,560) and the last $18,500 at 22% ($4,070), for $9,870 of tax. The marginal rate is 22%, but the effective rate is 14.3% of taxable income and 11.6% of all income.
That is why a raise that moves you into a higher bracket never lowers your take-home pay: only the dollars above the line are taxed at the higher rate.
Frequently asked questions
What tax bracket am I in for 2026?
Subtract your deduction from your income to get taxable income, then find the range it falls in. The calculator does this for you.
What is the difference between marginal and effective tax rate?
The marginal rate is the rate on your last dollar of income. The effective rate is your total tax divided by your income, and it is always lower than or equal to the marginal rate.
Does a 401(k) contribution lower my bracket?
Pre-tax contributions lower your taxable income, so each dollar saves tax at your marginal rate, and enough of them can move you into a lower bracket.
Why is my real tax different?
Credits such as the Child Tax Credit, lower rates on long-term capital gains, other taxes and state taxes are not part of this chart. Use the income tax calculator for a fuller estimate.