Income Tax Calculator
Estimate your 2026 federal income tax and effective rate by bracket and filing status.
Your total income before deductions.
Enter your income to see your estimate.
How federal income tax brackets work
The U.S. has a progressive income tax, which just means the more you earn, the higher the rate on your top dollars — but not on all of them. Your taxable income (what’s left after the standard deduction or your itemized deductions) is sliced into tax brackets, and each slice is taxed at its own rate. For 2026 there are seven brackets, from 10% up to 37%.
A common myth is that moving into a higher bracket taxes your whole income at that rate. It doesn’t. If you’re a single filer with $60,000 of taxable income, only the portion above each threshold is taxed at the next rate up — so your marginal rate (the rate on your last dollar) is higher than your effective rate (your average across all your income). The effective rate is the number that actually matters for budgeting, and it’s always lower than your bracket.
Your first chunk of income is also shielded entirely by the standard deduction — $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household in 2026 — before any tax applies.
2026 federal income tax brackets
These are the 2026 federal income tax brackets by filing status. The income ranges shown are taxable income — your income after subtracting the standard deduction.
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 | $0 – $17,700 |
| 12% | $12,400 – $50,400 | $24,800 – $100,800 | $17,700 – $67,450 |
| 22% | $50,400 – $105,700 | $100,800 – $211,400 | $67,450 – $105,700 |
| 24% | $105,700 – $201,775 | $211,400 – $403,550 | $105,700 – $201,775 |
| 32% | $201,775 – $256,225 | $403,550 – $512,450 | $201,775 – $256,200 |
| 35% | $256,225 – $640,600 | $512,450 – $768,700 | $256,200 – $640,600 |
| 37% | $640,600+ | $768,700+ | $640,600+ |
Figures reflect the 2026 IRS inflation adjustments. This calculator covers federal income tax only — self-employment tax, investment taxes, credits, and state tax can all change your real bill, and the full calculator brings them together.
Frequently asked questions
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