Tax Bracket Calculator for 2026
Enter your income and filing status to see your 2026 federal tax bracket, the tax on each slice of your income and your effective tax rate. Being in the 22% bracket doesn't mean you pay 22% on everything. Each rate applies only to the income inside its band.
| Rate | Income in this band | Tax |
|---|
Uses the standard deduction and 2026 federal brackets. Doesn't include state tax, payroll tax, credits or itemized deductions.
2026 brackets
| Rate | Single | Married filing jointly |
| 10% | Up to $12,400 | Up to $24,800 |
| 12% | $12,401–$50,400 | $24,801–$100,800 |
| 22% | $50,401–$105,700 | $100,801–$211,400 |
| 24% | $105,701–$201,775 | $211,401–$403,550 |
| 32% | $201,776–$256,225 | $403,551–$512,450 |
| 35% | $256,226–$640,600 | $512,451–$768,700 |
| 37% | Over $640,600 | Over $768,700 |
The standard deduction for 2026 is $16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household. The brackets apply to income after deductions.
A raise never lowers your take-home pay
Moving into a higher bracket only taxes the extra dollars at the higher rate. Everything below stays taxed as before. A $2,000 raise that crosses from 12% to 22% costs, at most, $440 in extra federal tax.
Using your bracket
- Choosing Roth or traditional. A low bracket now often favors Roth. A high bracket now often favors traditional. See Roth IRA vs 401(k).
- Valuing pre-tax contributions. At 22%, a $1,000 401(k) or HSA contribution saves you $220 in federal tax.
- Costing an early 401(k) withdrawal. See the 401(k) loan vs withdrawal calculator.
Freelancers
If you're self-employed, you also pay self-employment tax (15.3% on most of your net earnings), which this calculator doesn't include. See the variable income budget planner for a tax set-aside.
FAQ
What's the difference between marginal and effective rate? Your marginal rate is the rate on your last dollar, which is your bracket. Your effective rate is your total tax divided by your income, and it's always lower.
When are 2027 brackets published? Usually in October or November. We update this page when they are.
Figures and rules in this article are checked against the official sources below. Where they disagree with us, they win.
- IRS Rev. Proc. 2025-32 (2026 inflation adjustments, reflecting the One Big Beautiful Bill Act): standard deduction
- 6,100 single / $32,200 married filing jointly /
