About the Tax Bracket Calculator
This tax bracket calculator answers “what tax bracket am I in?” for the 2026 tax year and shows exactly how the US progressive system taxes your income. Enter your income and filing status and you will see your marginal rate (the bracket your last dollar falls in), your effective rate (total tax as a share of income) and a slice-by-slice table of tax in each bracket.
You can enter gross income, in which case the 2026 standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household) is subtracted for you, or enter taxable income straight from your return. The calculator also shows how much more you can earn before reaching the next bracket — handy for timing bonuses, Roth conversions or capital gains.
Brackets are the 2026 federal ordinary income brackets published by the IRS in Revenue Procedure 2025-32, which include the One Big Beautiful Bill Act changes. The standard deduction used is the basic amount, without the extra $1,650–$2,050 for age 65+ or blindness or the $6,000 senior deduction; enter taxable income directly if those apply. Capital gains and qualified dividends, credits, and state taxes are not included.
With the default inputs, the your tax bracket (marginal rate) is 22%. Change any value above to recalculate instantly.
How to use the tax bracket calculator
- 1Enter your income for 2026.
- 2Choose whether it is gross income or taxable income after deductions.
- 3Select your filing status.
- 4Read your bracket, effective rate and the tax on each slice of income.
Formula and method
The US taxes ordinary income progressively across seven brackets: 10%, 12%, 22%, 24%, 32%, 35% and 37%. Each rate applies only to the slice of taxable income between two thresholds, so moving into a higher bracket never reduces your take-home pay.
Taxable income is gross income minus the standard deduction (or taxable income as entered). The marginal rate is the rate on the highest slice; the effective rate divides total federal income tax by the income you entered. Thresholds are the 2026 amounts from IRS Revenue Procedure 2025-32 and differ by filing status.
- rateᵢ
- Tax rate of bracket i (10%–37%)
- Taxable income
- Gross income − standard deduction
- Marginal rate
- Rate that applies to your next dollar
Worked examples
Single, $90,000 salary
After the $16,100 standard deduction, $73,900 is taxable. The first $12,400 is taxed at 10%, the next $38,000 at 12% and the last $23,500 at 22%, for $10,970 — a 22% bracket but only a 12.19% effective rate on the $90,000 salary.
Married filing jointly, $250,000 gross
Subtracting the $32,200 joint standard deduction leaves $217,800 of taxable income, which reaches the 24% bracket. Total federal income tax is $37,468, an effective rate of about 15.0%.
Head of household, $60,000 taxable income
For head of household the 10% bracket runs to $17,700 and 12% to $67,450. Tax on $60,000 of taxable income is $1,770 (10% of $17,700) + $5,076 (12% of $42,300) = $6,846, and $7,450 more income would reach the 22% bracket.
Single, $1,000,000 taxable income
Tax up to the $640,600 start of the top bracket is $192,979.25 (from the IRS rate table: $58,448 + 35% of $384,375). The remaining $359,400 is taxed at 37% ($132,978), for $325,957.25 — an effective rate of about 32.6%. There is no higher bracket to reach.
Frequently asked questions
What are the 2026 federal tax brackets?+
For single filers in 2026: 10% up to $12,400, 12% to $50,400, 22% to $105,700, 24% to $201,775, 32% to $256,225, 35% to $640,600 and 37% above. For married filing jointly the thresholds are $24,800, $100,800, $211,400, $403,550, $512,450 and $768,700.
Does moving into a higher bracket mean all my income is taxed more?+
No. Only the dollars above the threshold are taxed at the higher rate. A raise that pushes you into the 24% bracket is taxed at 24% only on the portion above the 22% bracket’s upper limit.
What is the difference between marginal and effective tax rate?+
Your marginal rate is the rate on your last dollar of taxable income. Your effective rate is total tax divided by income, which is always lower in a progressive system because lower slices are taxed at lower rates.
Are capital gains taxed using these brackets?+
Short-term gains are. Long-term capital gains and qualified dividends use separate 0%, 15% and 20% rates, although they still count toward the income thresholds for those rates.
What is the 2026 standard deduction?+
For 2026 it is $16,100 for single and married filing separately, $32,200 for married filing jointly and $24,150 for head of household. People 65 or older or blind get an extra amount.
Tax results are estimates based on published rules and simplified assumptions. They are not tax advice — check official guidance or a tax professional for your situation.