🧾 2026 Federal Income Tax Bracket Calculator
Uses official IRS 2026 tax brackets and standard deduction amounts.
2026 Federal Tax Brackets (Official IRS Figures)
Single filers: 10% up to $12,400 · 12% up to $50,400 · 22% up to $105,700 · 24% up to $201,775 · 32% up to $256,225 · 35% up to $640,600 · 37% above that.
Married filing jointly: 10% up to $24,800 · 12% up to $100,800 · 22% up to $211,400 · 24% up to $403,550 · 32% up to $512,450 · 35% up to $768,700 · 37% above that.
2026 standard deduction: $16,100 (single/MFS) · $32,200 (married filing jointly) · $24,150 (head of household). Source: IRS Revenue Procedure 2025-32.
Note: this calculator covers federal income tax only. It does not include state income tax, FICA (Social Security/Medicare), tax credits, or above-the-line deductions — your actual tax liability will differ.
Guide: understanding your result
- The U.S. uses marginal brackets: each rate applies only to the income inside its band.
- Your marginal rate is the rate on your last dollar; your effective rate is total tax ÷ income and is always lower.
- Brackets and the standard deduction are adjusted for inflation every year (IRS Revenue Procedure 2025-32).
Worked example
A single filer with $90,000 of income subtracts the $16,100 standard deduction, leaving $73,900 of taxable income. Federal income tax is $10,970: a marginal rate of 22% but an effective rate of only 12.2% of total income.
2026 brackets — Single (standard deduction $16,100)
| Rate | Taxable income |
|---|---|
| 1% | $0 – $12,400 |
| 12% | $12,400 – $50,400 |
| 22% | $50,400 – $105,700 |
| 24% | $105,700 – $201,775 |
| 32% | $201,775 – $256,225 |
| 35% | $256,225 – $640,600 |
| 37% | $640,600 and up |
2026 brackets — Married filing jointly (standard deduction $32,200)
| Rate | Taxable income |
|---|---|
| 1% | $0 – $24,800 |
| 12% | $24,800 – $100,800 |
| 22% | $100,800 – $211,400 |
| 24% | $211,400 – $403,550 |
| 32% | $403,550 – $512,450 |
| 35% | $512,450 – $768,700 |
| 37% | $768,700 and up |
2026 brackets — Head of household (standard deduction $24,150)
| Rate | Taxable income |
|---|---|
| 1% | $0 – $17,700 |
| 12% | $17,700 – $67,450 |
| 22% | $67,450 – $105,700 |
| 24% | $105,700 – $201,775 |
| 32% | $201,775 – $256,200 |
| 35% | $256,200 – $640,600 |
| 37% | $640,600 and up |
Common mistakes to avoid
- Believing a raise into a higher bracket lowers take-home pay — only the income above the threshold is taxed at the higher rate.
- Applying brackets to gross income instead of taxable income.
Official sources
Examples are calculated live from the same data the calculator uses and are for education only — they are not financial, tax or investment advice.
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