Tax Bracket Calculator (2026)
Find out which 2026 federal tax bracket you’re in — and, more usefully, how much of your income each bracket actually taxes. Enter your income and filing status, and the calculator applies the standard deduction and shows the tax in each bracket, your total, and your effective rate.
Being “in the 22% bracket” doesn’t mean 22% of your income goes to tax. Only the dollars above each threshold are taxed at the higher rate, so your average rate is always lower than your top bracket. The table below makes that visible, along with how much more you can earn before moving up a bracket.
Calculator
The 2026 standard deduction for your filing status is $16,100; the calculator uses whichever is larger.
Your 2026 federal tax bracket
22%
Effective rate 11.6% of total income
- Taxable income
- $68,900
- Federal income tax
- $9,870
- Effective rate on taxable income
- 14.3%
- Room before the 24% bracket
- $36,800
| Rate | Taxable income range | Your income taxed here | Tax |
|---|---|---|---|
| 10% | $0 – $12,400 | $12,400 | $1,240 |
| 12% | $12,400 – $50,400 | $38,000 | $4,560 |
| 22% | $50,400 – $105,700 | $18,500 | $4,070 |
| 24% | $105,700 – $201,775 | $0 | $0 |
| 32% | $201,775 – $256,225 | $0 | $0 |
| 35% | $256,225 – $640,600 | $0 | $0 |
| 37% | Over $640,600 | $0 | $0 |
| Total federal income tax | $9,870 | ||
2026 brackets and standard deductions (IRS Rev. Proc. 2025-32), ordinary income only. Long-term capital gains, credits, and the new tips/overtime/senior deductions aren’t included. Estimate only — not tax advice.
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Calculation Formulas
The 2026 standard deduction is $16,100 single, $32,200 joint, and $24,150 head of household.
Example:
$85,000 − $16,100 = $68,900 taxable.
Each bracket taxes only the slice of income between its thresholds.
Example:
Single, $68,900: $1,240 + $4,560 + $4,070 = $9,870.
Your average rate across all brackets.
Key Figures
| Figure | Value | Description |
|---|---|---|
| Rates | 10%–37% | Seven brackets, unchanged in structure for 2026. |
| Standard deduction | $16,100 / $32,200 / $24,150 | Single / joint / head of household. |
Note: Results are estimates for planning purposes. Rates, fees, taxes, and insurance vary by lender and location — confirm exact figures with a licensed professional before making financial decisions.
Standards & Sources
Last verified: October 2026
- IRS Revenue Procedure 2025-32
Official 2026 bracket thresholds and standard deductions, as amended by the One Big Beautiful Bill Act.
- Ordinary income only
Long-term capital gains and qualified dividends are taxed on a separate 0%/15%/20% schedule; see the capital gains tax calculator.
How to Use This Calculator
- Choose your filing status and enter your total 2026 income.
- Add pre-tax contributions such as a 401(k) or HSA, which lower taxable income.
- If you itemize, enter your itemized deductions; otherwise the standard deduction is used.
- Read your bracket, effective rate, and the tax owed in each bracket.
Frequently Asked Questions
What tax bracket am I in?
It depends on your taxable income — income after pre-tax contributions and the standard deduction — and filing status. For 2026, a single filer with $85,000 of income has $68,900 of taxable income, which tops out in the 22% bracket; their federal income tax is about $9,870, an effective rate of about 11.6% of total income.
What are the 2026 federal tax brackets?
Seven rates: 10%, 12%, 22%, 24%, 32%, 35%, and 37%. For single filers the thresholds are $12,400, $50,400, $105,700, $201,775, $256,225, and $640,600 of taxable income; for married couples filing jointly, $24,800, $100,800, $211,400, $403,550, $512,450, and $768,700.
Will a raise push me into a higher bracket and lower my take-home pay?
No. Only the income above the bracket threshold is taxed at the higher rate, so a raise always increases your after-tax income. Your effective rate rises a little, but you keep most of each extra dollar.
What’s the difference between marginal and effective tax rate?
Your marginal rate is the rate on your last dollar of income — your bracket. Your effective rate is your total tax divided by your income, which blends all the brackets together and is always lower.
Guides to go with this calculator
2027 HSA Contribution Limits (and 2026): Full Guide
The IRS has already set the 2027 HSA limits: $4,500 for self-only coverage and $9,000 for families. Here are the 2026 and 2027 numbers, who qualifies, and how to decide between an HSA and an FSA at open enrollment.
2027 Tax Brackets & Standard Deduction (Projected)
The IRS hasn’t published its 2027 numbers yet, but the major tax publishers agree on nearly every line: about 3.2% higher brackets, a $16,600 / $33,200 standard deduction, and a $20,000 gift exclusion.
No Tax on Tips: How the $25,000 Deduction Works
Tipped workers can now deduct up to $25,000 of tips from their federal taxable income — but it isn’t truly “no tax.” Here’s exactly what it covers, what it doesn’t, and what it’s worth.
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