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Tax Brackets Calculator
Which federal tax bracket are you in? Put in your income and filing status and this tax brackets calculator shows the full 2026 federal tax brackets, your marginal bracket, and your effective tax rate.
Example filled in: $80,000 a year, single. Change any number below to run your own income.
How to use this tax brackets calculator
- Enter your annual income before tax.
- Choose your filing status.
- The calculator takes off the standard deduction, then finds the bracket your taxable income falls in.
- Read the full 2026 bracket tables below to see every rate for your filing status.
Formula
Taxable income = annual income − standard deduction ($16,100 single / $32,200 married filing jointly / $24,150 head of household in 2026). Your marginal bracket is the rate on the last dollar of that taxable income. Your tax is figured band by band: each part of your taxable income is taxed at the rate for its band, so a higher bracket never taxes your whole income at the higher rate.
Worked example — $80,000, single
$80,000 a year, single: the standard deduction of $16,100 leaves $63,900 of taxable income. That falls in the 22% bracket, which runs from $49,800 to $103,350. The tax is $1,240 at 10%, $4,488 at 12%, and $3,102 at 22% — $8,830 in total, an effective rate of 11.04%. Only the last $14,100 is taxed at 22%; the rest is taxed at 10% and 12%.
Federal tax brackets 2026 — full tables
These are the simplified 2026 brackets used on this site, from IRS Rev. Proc. 2025-32. "Tax on this part" is the tax on the income inside that band only.
2026 federal tax brackets — single
| Taxable income | Rate | Tax on this part |
|---|---|---|
| $0 to $12,400 | 10% | $1,240 |
| $12,400 to $49,800 | 12% | $4,488 |
| $49,800 to $103,350 | 22% | $11,781 |
| $103,350 to $197,300 | 24% | $22,548 |
| $197,300 to $250,525 | 32% | $17,032 |
| $250,525 to $626,350 | 35% | $131,539 |
| Over $626,350 | 37% | — |
2026 federal tax brackets — married filing jointly
| Taxable income | Rate | Tax on this part |
|---|---|---|
| $0 to $24,800 | 10% | $2,480 |
| $24,800 to $99,600 | 12% | $8,976 |
| $99,600 to $206,700 | 22% | $23,562 |
| $206,700 to $394,600 | 24% | $45,096 |
| $394,600 to $501,050 | 32% | $34,064 |
| $501,050 to $751,600 | 35% | $87,693 |
| Over $751,600 | 37% | — |
2026 federal tax brackets — head of household
| Taxable income | Rate | Tax on this part |
|---|---|---|
| $0 to $18,600 | 10% | $1,860 |
| $18,600 to $74,700 | 12% | $6,732 |
| $74,700 to $155,050 | 22% | $17,677 |
| $155,050 to $296,950 | 24% | $34,056 |
| $296,950 to $375,600 | 32% | $25,168 |
| $375,600 to $564,550 | 35% | $66,133 |
| Over $564,550 | 37% | — |
Frequently asked questions
What are the federal tax brackets for 2026?
For a single filer in 2026, the simplified brackets are 10% to $12,400, 12% to $49,800, 22% to $103,350, 24% to $197,300, 32% to $250,525, 35% to $626,350, and 37% above that. The full tables for all three filing statuses are on this page. Married filing jointly and head of household have wider bands.
What tax bracket am I in if I make $80,000?
If you are single, your marginal bracket is 22% — your taxable income after the $16,100 standard deduction is $63,900, which falls in the $49,800 to $103,350 band. Your effective rate is only 11.04%, because the first part of your income is taxed at 10% and 12%.
Does moving into a higher bracket tax all my income at the higher rate?
No. Only the income inside the higher band is taxed at the higher rate. A raise that pushes you into the 22% bracket leaves everything below $49,800 taxed at 10% and 12%, exactly as before.
What is the difference between a tax bracket and a tax rate?
A bracket is a band of income with its own rate. Your marginal bracket is the rate on your last dollar; your effective rate is your total tax divided by your total income. The tax calculator shows both for any income.
Do state tax brackets work the same way?
Most states with an income tax also use bands, but their rates and limits are different from the federal ones, and a few states use a single flat rate. The state tax calculator gives a simplified estimate for your state.
Sources and 2026 figures. IRS Publication 15-T; IRS Rev. Proc. 2025-32. Standard deduction 2026: $16,100 single / $32,200 married filing jointly / $24,150 head of household. Social Security wage base 2026: $184,500. Social Security 6.2%, Medicare 1.45% (+0.9% over $200,000). Results are estimates, not tax advice.
Estimate, not tax advice. This site uses simplified 2026 tables for illustration. Check your figures against IRS Publication 15-T and a tax professional.