Your income in each 2026 bracket
| Bracket | Your income in it | Tax |
|---|---|---|
| Enter your numbers above to see this table. | ||
The highlighted row is your top bracket. The table shows the 2026 brackets for the filing status you chose.
How to use this calculator
- Enter your yearly income for 2026, after pre-tax deductions such as a traditional 401(k) or HSA.
- Choose your filing status.
- Choose the standard deduction, or enter your total itemized deductions if they're bigger.
- Read your tax, your bracket and your effective rate, and see how much of your income falls in each bracket.
How it's calculated
Worked example
Taylor is single and earns $75,000 in 2026, taking the standard deduction of $16,100.
Taylor is in the 22% bracket, but only $8,500 is taxed at 22%. The estimated federal income tax is $7,670, an effective rate of 10.23%.
What this calculator doesn't cover
- Tax credits (such as the Child Tax Credit), which reduce the tax shown here.
- Long-term capital gains and qualified dividends, which have their own lower rates.
- Social Security and Medicare (FICA), self-employment tax, the Alternative Minimum Tax, and state and local income tax.
- Other deductions, such as the qualified business income deduction for the self-employed.
Self-employed? Our freelancer take-home pay calculator adds self-employment tax. On a W-2 salary? Try the US take-home pay calculator.
Frequently asked questions
Will a raise push me into a higher bracket and cost me money?
No. Only the part of your income above the bracket's starting point is taxed at the higher rate. Everything below it is taxed exactly as before, so a raise always leaves you with more after federal income tax.
What's the difference between marginal and effective tax rate?
Your marginal rate is the rate on your last (and next) dollar of taxable income. Your effective rate is your total tax divided by your income, which is always lower because the first dollars are taxed at lower rates or not at all.
Should I itemize or take the standard deduction?
Most people take whichever is bigger. Itemized deductions include things like mortgage interest, state and local taxes (up to a limit) and charitable gifts. A tax professional can help if you're not sure.
Sources (tax year 2026): IRS: tax inflation adjustments for tax year 2026, IRS Rev. Proc. 2025-32. Figures checked 28 September 2026.