Tax bracket calculator
Updated Updated for 2026 tax law
Enter your income and filing status to see your 2026 federal tax bracket, how much of your income falls in each bracket, and your marginal and effective tax rates.
- Federal income tax (before credits)
- $9,870
- Tax on your next $1,000
- $220
| Rate | Income in bracket | Tax |
|---|---|---|
| 10% | $12,400 | $1,240 |
| 12% | $38,000 | $4,560 |
| 22% | $18,500 | $4,070 |
Ordinary income only. Long-term capital gains and qualified dividends use separate 0/15/20% rates; credits (like the Child Tax Credit) come off the tax shown here.
How to use the tax bracket calculator
- Pick your filing status.
- Enter your gross income (we subtract the 2026 standard deduction), or switch to "Taxable income" if you already know it from Form 1040, line 15.
- Read your bracket (marginal rate) and effective rate; the bar shows how each slice of income is taxed.
How tax brackets work
Marginal rate = rate of the highest bracket your taxable income reaches
Effective rate = total tax ÷ income
Example (single, $85,000 gross): taxable income is $68,900. $12,400 at 10% = $1,240; $38,000 at 12% = $4,560; $18,500 at 22% = $4,070. Total: $9,870. Marginal rate 22%, effective rate 14.33% of taxable income (11.61% of gross).
2026 federal income tax brackets
| Rate | Taxable income | Tax owed |
|---|---|---|
| 10% | $0 – $12,400 | 10% of taxable income |
| 12% | $12,401 – $50,400 | $1,240.00 + 12% of the amount over $12,400 |
| 22% | $50,401 – $105,700 | $5,800.00 + 22% of the amount over $50,400 |
| 24% | $105,701 – $201,775 | $17,966.00 + 24% of the amount over $105,700 |
| 32% | $201,776 – $256,225 | $41,024.00 + 32% of the amount over $201,775 |
| 35% | $256,226 – $640,600 | $58,448.00 + 35% of the amount over $256,225 |
| 37% | Over $640,600 | $192,979.25 + 37% of the amount over $640,600 |
| Rate | Taxable income | Tax owed |
|---|---|---|
| 10% | $0 – $24,800 | 10% of taxable income |
| 12% | $24,801 – $100,800 | $2,480.00 + 12% of the amount over $24,800 |
| 22% | $100,801 – $211,400 | $11,600.00 + 22% of the amount over $100,800 |
| 24% | $211,401 – $403,550 | $35,932.00 + 24% of the amount over $211,400 |
| 32% | $403,551 – $512,450 | $82,048.00 + 32% of the amount over $403,550 |
| 35% | $512,451 – $768,700 | $116,896.00 + 35% of the amount over $512,450 |
| 37% | Over $768,700 | $206,583.50 + 37% of the amount over $768,700 |
| Rate | Taxable income | Tax owed |
|---|---|---|
| 10% | $0 – $12,400 | 10% of taxable income |
| 12% | $12,401 – $50,400 | $1,240.00 + 12% of the amount over $12,400 |
| 22% | $50,401 – $105,700 | $5,800.00 + 22% of the amount over $50,400 |
| 24% | $105,701 – $201,775 | $17,966.00 + 24% of the amount over $105,700 |
| 32% | $201,776 – $256,225 | $41,024.00 + 32% of the amount over $201,775 |
| 35% | $256,226 – $384,350 | $58,448.00 + 35% of the amount over $256,225 |
| 37% | Over $384,350 | $103,291.75 + 37% of the amount over $384,350 |
| Rate | Taxable income | Tax owed |
|---|---|---|
| 10% | $0 – $17,700 | 10% of taxable income |
| 12% | $17,701 – $67,450 | $1,770.00 + 12% of the amount over $17,700 |
| 22% | $67,451 – $105,700 | $7,740.00 + 22% of the amount over $67,450 |
| 24% | $105,701 – $201,750 | $16,155.00 + 24% of the amount over $105,700 |
| 32% | $201,751 – $256,200 | $39,207.00 + 32% of the amount over $201,750 |
| 35% | $256,201 – $640,600 | $56,631.00 + 35% of the amount over $256,200 |
| 37% | Over $640,600 | $191,171.00 + 37% of the amount over $640,600 |
Source: IRS Rev. Proc. 2025-32 (2026 inflation adjustments), reflecting the One Big Beautiful Bill Act. Standard deduction: $16,100 single/MFS, $32,200 joint, $24,150 head of household.
Marginal vs effective rate by income
| Gross income | Single | Married jointly | Head of household |
|---|---|---|---|
| $30,000 | 12% · 4.7% eff. | 10% · 0% eff. | 10% · 1.9% eff. |
| $50,000 | 12% · 7.6% eff. | 10% · 3.6% eff. | 12% · 5.5% eff. |
| $75,000 | 22% · 10.2% eff. | 12% · 6.2% eff. | 12% · 7.7% eff. |
| $100,000 | 22% · 13.2% eff. | 12% · 7.6% eff. | 22% · 9.6% eff. |
| $150,000 | 24% · 16.5% eff. | 22% · 10.2% eff. | 24% · 14% eff. |
| $250,000 | 32% · 20.5% eff. | 24% · 15% eff. | 32% · 18.8% eff. |
| $500,000 | 35% · 27.6% eff. | 32% · 20.5% eff. | 35% · 26.7% eff. |
Disclaimer: Estimates for information only — not tax, legal or financial advice. Brackets apply to ordinary income; long-term capital gains and qualified dividends are taxed at 0%, 15% or 20%. Credits reduce the tax shown.
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Frequently asked questions
What tax bracket am I in for 2026?
It depends on taxable income (after deductions) and filing status. A single filer earning $85,000 has $68,900 of taxable income after the $16,100 standard deduction, which puts them in the 22% bracket.
What's the difference between marginal and effective tax rate?
Your marginal rate is the rate on your last (and next) dollar. Your effective rate is total tax divided by income. Because only the income inside each bracket is taxed at that bracket's rate, the effective rate is always lower — that single filer at $85,000 pays $9,870, an effective 11.6% of gross income.
Will a raise push me into a higher bracket and lower my take-home pay?
No. Moving into a higher bracket only taxes the dollars above the threshold at the higher rate; everything below is taxed the same as before. A raise always increases take-home pay under the federal brackets.
What are the 2026 federal tax brackets?
Seven rates: 10%, 12%, 22%, 24%, 32%, 35% and 37%. For single filers the 37% rate starts above $640,600; for married filing jointly above $768,700. The One Big Beautiful Bill Act made these rates permanent.
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Estimates for information only — not tax, legal or financial advice.