Tax Bracket Calculator
Find your 2026 marginal and effective federal tax rates and see your income split across the brackets.
IRS tax year 2026 tables (Rev. Proc. 2025-32) last updated · reference source
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Currency: Amounts are calculated in the currency you select; this site does not convert between currencies and does not use live exchange rates.
Dated static reference; no live data is fetched. Verify current source values and assumptions before relying on results.
What this tool does
Shows which 2026 federal bracket your taxable income reaches, what you actually pay, and how the two headline rates differ: the marginal rate applies only to the top slice of income, while the effective rate averages every bracket your income passes through.
How to use the Tax Bracket Calculator
- Enter your figures in the fields above.
- Check the filing status, state and pay-frequency selections — they change the tables used.
- Read the headline result first, then the breakdown: it shows exactly which tax or amount produced each line.
- Change any input to compare scenarios; the result updates with the same dated tables shown on this page.
Formula
marginal rate = rate of the highest bracket reached; effective rate = total bracket tax ÷ taxable income
- taxable income
- Income after the standard or itemized deduction — enter it directly here
Worked example
$83,900 of taxable income for a single filer reaches the 22% bracket, but only $33,500 sits in it; total tax is $13,170, an effective rate of about 15.7%.
Inputs
- Taxable income (after deductions)83900
- Filing statusSingle
Result
- Marginal tax rate22%
- Federal tax$13,170.00
- Effective tax rate15.7%
- Income taxed at your top rate$33,500.00
Marginal rates, tax year 2026
| Rate | Single from | Joint from |
|---|---|---|
| 10% | $0 | $0 |
| 12% | $12,400 | $24,800 |
| 22% | $50,400 | $100,800 |
| 24% | $105,700 | $211,400 |
| 32% | $201,775 | $403,550 |
| 35% | $256,225 | $512,450 |
| 37% | $640,600 | $768,700 |
Results explained
- Marginal tax rate
- The bracket rate on your next dollar of taxable income.
- Effective tax rate
- Total tax as a share of taxable income.
Frequently asked questions
Your bracket is set by taxable income — income after deductions — not gross pay. Enter your taxable income and filing status and the marginal rate shown is your bracket.
No. Only the dollars above the threshold are taxed at the higher rate; every dollar below keeps its lower rate.
Because most of your income is taxed at 10% and 12% before any of it reaches your top bracket, and the standard deduction is taxed at 0%.
The marginal rate — extra income stacks on top of what you already earn, so it is taxed at your top bracket rate (plus FICA and state tax where they apply).
Long-term gains have their own 0% / 15% / 20% thresholds that stack on top of ordinary income — see the Capital Gains Tax Calculator.