Tax Bracket Calculator
Enter your 2026 taxable income and filing status to see your marginal bracket, effective rate, and exactly how much of your income falls in each bracket.
After your standard or itemized deduction, not gross income.
Total federal tax
$11,212.00
Marginal bracket
22%
Rate on your next dollar
Effective rate
14.9%
Total tax ÷ taxable income
| Bracket | Income range | Taxed at this rate | Tax |
|---|---|---|---|
| 10% | $0 - $12,400 | $12,400 | $1,240.00 |
| 12% | $12,400 - $50,400 | $38,000 | $4,560.00 |
| 22% | $50,400 - $105,700 | $24,600 | $5,412.00 |
| Total | $11,212.00 | ||
How it's calculated
Each bracket taxes only the slice of income between its threshold and the next one. Starting from the lowest bracket, the calculator fills each one in order until it reaches your taxable income:
tax = Σ (amount of income in each bracket × that bracket's rate)
Your marginal rate is the rate of the last (highest) bracket your income reaches. Your effective rate is total tax divided by taxable income -- always lower than your marginal rate for anyone above the first bracket, since the earlier brackets are taxed at lower rates.
Worked example
The calculator's own defaults: $75,000 of taxable income, filing single.
| Rate | Income range | Taxed at this rate | Tax |
|---|---|---|---|
| 10% | $0 - $12,400 | $12,400 | $1,240.00 |
| 12% | $12,400 - $50,400 | $38,000 | $4,560.00 |
| 22% | $50,400 - $105,700 | $24,600 | $5,412.00 |
| Total tax | $11,212.00 | ||
That's a 22% marginal rate but only a 14.9% effective rate -- the first $12,400 of income is taxed at 10% and 12% before any of it reaches the 22% bracket.
2026 bracket thresholds by filing status
| Single | |
|---|---|
| 10% | over $0 |
| 12% | over $12,400 |
| 22% | over $50,400 |
| 24% | over $105,700 |
| 32% | over $201,775 |
| 35% | over $256,225 |
| 37% | over $640,600 |
| Married filing jointly | |
|---|---|
| 10% | over $0 |
| 12% | over $24,800 |
| 22% | over $100,800 |
| 24% | over $211,400 |
| 32% | over $403,550 |
| 35% | over $512,450 |
| 37% | over $768,700 |
| Married filing separately | |
|---|---|
| 10% | over $0 |
| 12% | over $12,400 |
| 22% | over $50,400 |
| 24% | over $105,700 |
| 32% | over $201,775 |
| 35% | over $256,225 |
| 37% | over $384,350 |
| Head of household | |
|---|---|
| 10% | over $0 |
| 12% | over $17,700 |
| 22% | over $67,450 |
| 24% | over $105,700 |
| 32% | over $201,750 |
| 35% | over $256,200 |
| 37% | over $640,600 |
Source: IRS Revenue Procedure 2025-32 (2026 inflation adjustments) (https://www.irs.gov/pub/irs-drop/rp-25-32.pdf), checked 2026-09-16.
Frequently Asked Questions
What's the difference between my tax bracket and my tax rate?
Your "tax bracket" is the marginal rate on your last dollar of taxable income -- it's not the rate applied to your whole income. The U.S. system is progressive: each bracket's rate only applies to the slice of income that falls within it, so moving into a higher bracket never reduces your take-home pay on the dollars taxed below it.
Does earning more money ever leave me with less after tax?
No. Because only the income within a bracket is taxed at that bracket's rate, crossing into a higher bracket only raises the rate on the additional dollars, never on the dollars you were already earning. A raise that pushes part of your income into a higher bracket always increases your total take-home pay.
What are the 2026 tax brackets?
For 2026, the seven federal rates are 10%, 12%, 22%, 24%, 32%, 35% and 37%, with thresholds that vary by filing status -- see the table above for your status, or the full breakdown below. Source: IRS Revenue Procedure 2025-32 (2026 inflation adjustments).
Is this taxable income or gross income?
Taxable income -- your income after your standard or itemized deduction, not your gross salary. If you only know your gross income, use the Tax Estimator, which subtracts your deduction and applies credits before showing your bracket.
Do state income taxes use the same brackets?
No. States that tax income set their own brackets, rates and deductions entirely separately from the federal system shown here -- some states use a single flat rate, several have no income tax at all, and none of them share these thresholds.
This is an estimate from the inputs you enter and the published rates above, not tax advice, and this site is not affiliated with the IRS, any state revenue department, or the Social Security Administration. Real tax bills involve credits, deductions and filing details this tool can't model -- see the Terms.