Tax Bracket Calculator 2026
Estimate your 2026 tax bracket (for taxes filed in 2027) with our tax bracket calculator. We're here when you're ready to file.
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Enter your tax year, filing status and taxable income to calculate your estimated tax rate:
What are tax brackets?
Tax brackets are the ranges of taxable income that are taxed at each federal rate. Your income is taxed in layers: for 2026, a single filer pays 10% on the first $12,400, 12% on the part from $12,401 to $50,400, and so on. The rate on your last dollar is your tax bracket, also called your marginal tax rate.
How many tax brackets are there?
There are seven federal income tax brackets, with rates of 10%, 12%, 22%, 24%, 32%, 35% and 37%. Each year the IRS adjusts where each bracket starts and ends for inflation.
2026 tax brackets and federal income tax rates
| Tax Rate | Single filers | Married filing jointly or qualifying surviving spouse | Married filing separately | Head of household |
|---|---|---|---|---|
| 10% | $0 to $12,400 | $0 to $24,800 | $0 to $12,400 | $0 to $17,700 |
| 12% | $12,401 to $50,400 | $24,801 to $100,800 | $12,401 to $50,400 | $17,701 to $67,450 |
| 22% | $50,401 to $105,700 | $100,801 to $211,400 | $50,401 to $105,700 | $67,451 to $105,700 |
| 24% | $105,701 to $201,775 | $211,401 to $403,550 | $105,701 to $201,775 | $105,701 to $201,750 |
| 32% | $201,776 to $256,225 | $403,551 to $512,450 | $201,776 to $256,225 | $201,751 to $256,200 |
| 35% | $256,226 to $640,600 | $512,451 to $768,700 | $256,226 to $384,350 | $256,201 to $640,600 |
| 37% | $640,601 or more | $768,701 or more | $384,351 or more | $640,601 or more |
2025 tax brackets and federal income tax rates
| Tax Rate | Single filers | Married filing jointly or qualifying surviving spouse | Married filing separately | Head of household |
|---|---|---|---|---|
| 10% | $0 to $11,925 | $0 to $23,850 | $0 to $11,925 | $0 to $17,000 |
| 12% | $11,926 to $48,475 | $23,851 to $96,950 | $11,926 to $48,475 | $17,001 to $64,850 |
| 22% | $48,476 to $103,350 | $96,951 to $206,700 | $48,476 to $103,350 | $64,851 to $103,350 |
| 24% | $103,351 to $197,300 | $206,701 to $394,600 | $103,351 to $197,300 | $103,351 to $197,300 |
| 32% | $197,301 to $250,525 | $394,601 to $501,050 | $197,301 to $250,525 | $197,301 to $250,500 |
| 35% | $250,526 to $626,350 | $501,051 to $751,600 | $250,526 to $375,800 | $250,501 to $626,350 |
| 37% | $626,351 or more | $751,601 or more | $375,801 or more | $626,351 or more |
2024 tax brackets and federal income tax rates
| Tax Rate | Single filers | Married filing jointly or qualifying surviving spouse | Married filing separately | Head of household |
|---|---|---|---|---|
| 10% | $0 to $11,600 | $0 to $23,200 | $0 to $11,600 | $0 to $16,550 |
| 12% | $11,601 to $47,150 | $23,201 to $94,300 | $11,601 to $47,150 | $16,551 to $63,100 |
| 22% | $47,151 to $100,525 | $94,301 to $201,050 | $47,151 to $100,525 | $63,101 to $100,500 |
| 24% | $100,526 to $191,950 | $201,051 to $383,900 | $100,526 to $191,950 | $100,501 to $191,950 |
| 32% | $191,951 to $243,725 | $383,901 to $487,450 | $191,951 to $243,725 | $191,951 to $243,700 |
| 35% | $243,726 to $609,350 | $487,451 to $731,200 | $243,726 to $365,600 | $243,701 to $609,350 |
| 37% | $609,351 or more | $731,201 or more | $365,601 or more | $609,351 or more |
These rates apply to ordinary taxable income. Long-term capital gains and qualified dividends have their own rates of 0%, 15% and 20%.
Frequently asked questions
How do tax brackets work?
Your taxable income is split into layers, and each layer is taxed at its own rate. Moving into a higher bracket only raises the tax on the dollars inside that bracket, never on all of your income.
What is taxable income?
Your income after deductions: your total income, minus adjustments such as traditional IRA or HSA contributions, minus the standard deduction or your itemized deductions, and any other deductions you qualify for, such as those for tips, overtime or seniors. For 2026, the standard deduction is $16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household.
What is a marginal tax rate?
The rate on your last dollar of taxable income, which is your tax bracket. It tells you how much federal income tax one more dollar of income would add.
What is an effective tax rate?
Your total federal income tax divided by your taxable income. Because your income is taxed in layers, it is always lower than your marginal tax rate.
How can I lower my tax bracket?
By lowering your taxable income: put money into a traditional 401(k), IRA or HSA, and claim every deduction you qualify for. Tax credits lower your tax, but not your bracket.
What happens when you go up a tax bracket?
Only the income above the point where the higher bracket starts is taxed at the higher rate, so a raise never leaves you worse off after federal income tax.
Are state and federal tax brackets different?
Yes. Each state sets its own income tax, if it has one. Some use brackets, some use one flat rate, and nine states have no tax on wages at all.
How often are tax brackets updated?
Every year. The IRS usually announces the next year's brackets in the fall.
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Want to estimate your tax refund?
Our free Tax Calculator estimates your federal refund or what you may owe, with the new deductions for tips, overtime and seniors.
An estimate of your federal income tax rate, not tax advice.
