Tax Bracket Calculator
Federal Income Tax · Tax Year 2026
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Your Tax Bracket
22%
marginal rate · click below for full breakdown
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Standard Deduction$0
Taxable Income$0
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Effective Rate0%
After-Tax Income$0
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2026 Federal Tax Brackets by Filing Status
The brackets below are official 2026 IRS figures from Revenue Procedure 2025-32, adjusted for inflation. The One Big Beautiful Bill Act (OBBBA) made these seven rates permanent.
Single / Married Filing Separately
| Taxable Income | Rate | Tax in Bracket |
|---|---|---|
| $0 — $12,400 | 10% | Up to $1,240 |
| $12,401 — $50,400 | 12% | Up to $4,560 |
| $50,401 — $105,700 | 22% | Up to $12,166 |
| $105,701 — $201,775 | 24% | Up to $23,058 |
| $201,776 — $256,225 | 32% | Up to $17,424 |
| $256,226 — $640,600 | 35% | Up to $134,534 |
| Over $640,600 | 37% | — |
Married Filing Jointly
| Taxable Income | Rate |
|---|---|
| $0 — $24,800 | 10% |
| $24,801 — $100,800 | 12% |
| $100,801 — $211,400 | 22% |
| $211,401 — $403,550 | 24% |
| $403,551 — $512,450 | 32% |
| $512,451 — $768,700 | 35% |
| Over $768,700 | 37% |
Head of Household
| Taxable Income | Rate |
|---|---|
| $0 — $17,700 | 10% |
| $17,701 — $67,450 | 12% |
| $67,451 — $105,700 | 22% |
| $105,701 — $201,750 | 24% |
| $201,751 — $256,200 | 32% |
| $256,201 — $640,600 | 35% |
| Over $640,600 | 37% |
Standard deductions 2026: $16,100 Single · $32,200 MFJ · $24,150 HOH · $16,100 MFS. Source: IRS Rev. Proc. 2025-32.
Federal income tax only. Does not include FICA (SS + Medicare), state tax, or local taxes. Estimates for planning purposes. Consult a tax professional for your specific situation.
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Tax Bracket Questions
What tax bracket am I in for 2026?+
Your tax bracket is determined by your taxable income, not your gross income. Taxable income = gross income minus the standard deduction (or itemized deductions) minus any above-the-line adjustments like 401(k) contributions. For 2026 a single filer earning $75,000 gross has taxable income of about $58,900 after the $16,100 standard deduction, putting them in the 22% bracket — but their effective rate is closer to 13%.
What is the difference between marginal and effective tax rate?+
Your marginal rate is the rate applied to the last dollar you earned — the top bracket you reach. Your effective rate is your total tax divided by total income, always lower because earlier income is taxed at lower rates. A single filer with $100,000 gross is in the 22% bracket but pays an effective federal rate of roughly 14–15% because the first $12,400 is taxed at 10%, the next $38,000 at 12%, and only the top slice at 22%.
What changed in the 2026 tax brackets vs 2025?+
The OBBBA (signed July 2025) made the 7-bracket structure permanent. For 2026, all bracket thresholds increased about 2.7% for inflation. Key changes for single filers: 10% bracket ceiling moved from $11,925 to $12,400 · 12% from $48,475 to $50,400 · 22% from $103,350 to $105,700. The standard deduction rose from $15,000 to $16,100 (single), and from $30,000 to $32,200 (joint).
Will getting a raise push all my income into a higher bracket?+
No. Only the income above the bracket threshold gets taxed at the higher rate. If you earn $50,000 taxable income as a single filer, only the amount above $50,400 moves into the 22% bracket — everything below remains at 10% and 12%. A raise will never reduce your after-tax income; you always keep more than half of any additional dollar earned.
How does the standard deduction reduce my taxes in 2026?+
The standard deduction reduces your gross income before brackets apply. For 2026: $16,100 single · $32,200 married jointly · $24,150 head of household. A single filer earning $75,000 gross only pays tax on $58,900. At a 12–22% blended rate, the standard deduction saves roughly $2,000–$3,500 in federal tax compared to no deduction.
Should I take the standard deduction or itemize in 2026?+
Itemize only if your deductible expenses exceed the standard deduction. Major itemized deductions include mortgage interest, state and local taxes (SALT — now up to $40,000 for 2026–2029 under OBBBA), charitable contributions and certain medical costs. About 10% of filers itemize. Use the custom deduction option above to compare both scenarios instantly.
How do 401(k) contributions affect my tax bracket?+
Traditional 401(k) contributions reduce your taxable income dollar-for-dollar before brackets apply. The 2026 limit is $24,500 ($32,500 if age 50+). Maxing out a 401(k) on a $100,000 salary reduces taxable income to $59,400 (single), dropping the effective federal rate from about 17% to roughly 13% and potentially keeping you entirely out of the 22% bracket.
What is the top tax bracket in 2026?+
The top marginal federal rate in 2026 is 37%, applying to taxable income above $640,600 for single filers and $768,700 for married filing jointly. This rate was made permanent by the OBBBA. It does not apply to all income above those thresholds — only the portion exceeding the threshold. A single filer with $700,000 taxable income pays 37% only on the $59,400 above $640,600.
How is the head of household filing status different?+
Head of Household (HOH) is for unmarried taxpayers who pay more than half the cost of housing a qualifying dependent. It offers wider bracket ranges than Single and a higher standard deduction ($24,150 vs $16,100 in 2026). A single parent earning $70,000 saves roughly $1,200–$1,500 in federal taxes filing as HOH vs Single, because more income falls in the 10–12% range before reaching 22%.
Are capital gains taxed at the same bracket rates?+
No. Long-term capital gains (assets held over 1 year) are taxed at preferential rates: 0% for taxable income up to $48,350 (single) / $96,700 (joint) · 15% up to $533,400 / $600,050 · 20% above those thresholds. Short-term gains are taxed as ordinary income at your regular bracket rate. These brackets apply to the capital gain portion of income stacked on top of ordinary income.