How to use the Tax Bracket calculator
- Enter your numbers. Fill in gross income, filing status, pre-tax deductions, itemized deductions.
- Read your results. Results update instantly. The headline shows the your federal tax bracket (2026); the breakdown and table below show the details.
Marginal vs. effective rate
The U.S. uses progressive brackets: each rate applies only to the income within its range. Your marginal rate (your “bracket”) is the rate on your last dollar of taxable income. Your effective rate is total tax divided by income, which is always lower.
Tax = Σ (income in each bracket × that bracket’s rate)
2026 brackets
The seven rates (10%, 12%, 22%, 24%, 32%, 35% and 37%) were made permanent by the 2025 budget law, and the IRS adjusted the thresholds for inflation in Rev. Proc. 2025-32. The 2026 standard deduction is $16,100 single, $32,200 married filing jointly and $24,150 head of household.
A raise never lowers take-home pay
Moving into a higher bracket only taxes the extra dollars at the higher rate. The table shows exactly how much of your income lands in each bracket.
Worked example
With these inputs: gross income $95,000; filing status Single.
The calculator gives a your federal tax bracket (2026) of 22% (effective rate 12.7% of gross income). Other results: federal income tax $12,070, taxable income $78,900, deduction used $16,100, income left in this bracket $26,800.
What your results mean
Your bracket is the rate on your next dollar of income, useful for judging deductions and raises. Your effective rate is the share of your income actually paid in federal income tax.
Tips
- Pre-tax 401(k) and HSA contributions save tax at your marginal rate.
- Check “income left in this bracket” before a Roth conversion.
- Credits reduce tax dollar-for-dollar; deductions reduce taxable income.
Frequently asked questions
What are the 2026 federal tax brackets?
10%, 12%, 22%, 24%, 32%, 35% and 37%, with thresholds adjusted for inflation by IRS Rev. Proc. 2025-32.
What is the 22% bracket for 2026 single filers?
Taxable income from $50,400 to $105,700.
What tax bracket am I in?
Enter your income and filing status; the headline shows your 2026 marginal rate.
Does the standard deduction change my bracket?
Yes. Brackets apply to taxable income, after the standard or itemized deduction.
Are capital gains taxed by these brackets?
Short-term gains are. Long-term gains and qualified dividends use separate 0%, 15% and 20% rates (see the capital gains tax calculator).
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