2026 Federal Income Tax Brackets
2026 IRS Tax Bracket Calculator
Enter your taxable income and filing status to see which 2026 federal income tax brackets apply, how much income falls into each bracket, your marginal tax rate, effective tax rate, and estimated federal tax.
Enter your taxable income
Enter your taxable income and filing status to see how your income is distributed across the 2026 U.S. federal tax brackets.
Use taxable income after deductions, not gross income.
Taxable income vs. gross income
This calculator expects taxable income after deductions. If you want to start with gross income, use the Income Tax Calculator instead.
Your 2026 Tax Bracket
Enter your taxable income to see your federal tax brackets.
Example
Enter $80,000 of taxable income and choose Single to see how the income is taxed across the 10%, 12%, and 22% brackets.
How to use this tax bracket calculator
Enter your taxable income and select your federal filing status. The calculator applies the 2026 ordinary federal income tax brackets and shows how much of your taxable income falls into each tax rate.
The results also show an estimated federal tax amount, your marginal tax rate, and your effective tax rate.
Tax Brackets
Shows how taxable income is divided among the federal tax rates that apply.
Marginal Tax Rate
The highest ordinary federal income tax rate reached by your taxable income.
Effective Tax Rate
Estimated federal tax divided by the taxable income entered.
How U.S. federal tax brackets work
Federal individual income tax brackets are progressive. This means taxable income is divided into portions, and each portion is taxed at the rate assigned to its bracket.
Entering a higher tax bracket does not mean that all of your taxable income is suddenly taxed at the higher percentage. Only income above the applicable bracket threshold is taxed at that higher marginal rate.
Progressive Federal Tax Calculation
Total Tax = Tax from each federal tax bracket reached
Each portion of taxable income is taxed separately at the rate applicable to that portion.
2026 federal tax rates
For tax year 2026, the federal ordinary individual income tax rates are 10%, 12%, 22%, 24%, 32%, 35%, and 37%.
The taxable income thresholds associated with each percentage differ by filing status.
2026 tax brackets for Single filers
For a Single filer in 2026, taxable income enters progressively higher brackets as income rises.
2026 tax brackets for Married Filing Jointly
What is taxable income?
Taxable income is the amount used to apply federal income tax brackets after applicable adjustments and deductions have been taken into account.
This calculator asks for taxable income directly rather than gross income. If you know only your annual gross income, use the Income Tax Calculator, which applies the basic standard deduction before estimating ordinary federal income tax.
2026 Income Tax Calculator →What is a marginal tax rate?
Your marginal tax rate is the federal ordinary income tax rate that applies to the highest portion of taxable income reached by the calculation.
For example, being in the 22% marginal tax bracket does not mean that your entire taxable income is taxed at 22%.
What is an effective tax rate?
The effective tax rate shown by this calculator is the estimated federal ordinary income tax divided by the taxable income entered.
Because the first portions of income are taxed at lower rates, the effective rate is typically lower than the highest marginal tax rate reached.
2026 tax bracket example
Suppose a Single filer has $80,000 of taxable income in 2026.
Taxable Income: $80,000
Filing Status: Single
Lowest Rate Reached: 10%
Highest Marginal Rate Reached: 22%
The first portion of taxable income falls into the 10% bracket, the next portion falls into the 12% bracket, and only the portion above the 22% threshold is taxed at 22%.
Will earning more money cause all of my income to be taxed more?
No. Moving into a higher federal tax bracket generally changes the tax rate only on the additional taxable income that falls above the new bracket threshold.
Income below that threshold remains taxed at the lower rates applicable to those portions.
How filing status affects federal tax brackets
Federal tax bracket thresholds differ by filing status. This calculator currently supports Single, Married Filing Jointly, and Head of Household.
Single
Uses the federal bracket thresholds applicable to Single filers.
Married Filing Jointly
Uses the federal thresholds applicable to qualifying married taxpayers filing a joint return.
Head of Household
Uses federal Head of Household bracket thresholds for qualifying taxpayers.
Tax bracket calculator vs. income tax calculator
Tax Bracket Calculator
Start with taxable income and see how that income is distributed across federal tax brackets.
Income Tax Calculator
Start with gross income and filing status, apply the basic standard deduction, and estimate ordinary federal income tax.
Income Tax Calculator →Are capital gains taxed using these tax brackets?
Short-term capital gains are generally taxed using ordinary federal income tax rates, while qualifying long-term net capital gains can be subject to a separate preferential federal rate structure.
Calculating investment gains?
Use the Capital Gains Tax Calculator for a simplified estimate of short-term and long-term capital gains.
Capital Gains Tax Calculator →Related U.S. tax calculators
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Calculate 401(k) Savings →2026 IRS Tax Bracket FAQ
What are the federal income tax rates for 2026?
The 2026 federal ordinary individual income tax rates are 10%, 12%, 22%, 24%, 32%, 35%, and 37%. The income thresholds vary by filing status.
What tax bracket am I in?
Your marginal federal tax bracket generally depends on your taxable income and filing status. Enter those values above to see the highest ordinary income tax rate reached.
Does being in the 22% tax bracket mean I pay 22% on all my income?
No. Only the portion of taxable income that falls within the 22% bracket is taxed at 22%. Lower portions remain subject to the lower applicable rates.
What happens when I move into a higher tax bracket?
Generally, only the additional taxable income above the new threshold is taxed at the higher marginal rate.
What is the difference between gross income and taxable income?
Gross income is income before applicable deductions and adjustments. Taxable income is the amount used to apply federal income tax brackets after applicable deductions and adjustments.
What is a marginal tax rate?
The marginal tax rate is the rate that applies to the highest portion of taxable ordinary income reached by the calculation.
What is an effective tax rate?
In this calculator, it is estimated ordinary federal income tax divided by the taxable income entered.
Does this calculator include capital gains tax?
It applies ordinary federal income tax brackets. Qualifying long-term capital gains can be subject to a different federal tax rate structure.
Does this calculator include state income tax?
No. State and local income taxes are not included.
Is this an official IRS calculator?
No. CalcForBiz is an independent calculator website. This tool provides simplified estimates for informational and educational purposes.
2026 federal tax bracket data
The federal ordinary income tax rates and thresholds shown on this page are based on published IRS tax-year 2026 guidance. Tax laws and individual tax circumstances can involve additional rules not reflected in this calculator.
Federal tax estimate only
This calculator is provided for general informational and educational purposes only and is not tax, legal, accounting, or financial advice. It does not include tax credits, special deductions, preferential long-term capital gains rates, qualified dividends, alternative minimum tax, state taxes, or other federal tax rules that can affect actual tax liability.