Tax bracket calculator
Find your 2026 federal tax bracket and see your marginal rate against your effective rate.
- ๐บ๐ธ US federal & state rules
- Tax year 2026 federal brackets
- See sources
Your federal tax bracket
22%
Marginal rate on taxable income of $58,900, single
- Effective rate
- 10.2%
- Federal tax
- $7,670.00
- Until next bracket
- $46,800
This is an example. Enter your numbers above and press the button to see your own result.
How each slice is taxed
| 10% bracket | $12,400 โ $1,240.00 |
|---|---|
| 12% bracket | $38,000 โ $4,560.00 |
| 22% bracket (yours) | $8,500 โ $1,870.00 |
| 24% bracket | 0 |
| 32% bracket | 0 |
| 35% bracket | 0 |
| 37% bracket | 0 |
- Only the income inside each bracket is taxed at that rate. Crossing into a higher bracket never reduces your take-home pay.
- Gross income was reduced by the standard deduction only. Pre-tax contributions and itemized deductions would lower taxable income further.
- Long-term capital gains and qualified dividends use their own 0%, 15% and 20% rates and are not shown here.
Show the math
| Gross income | $75,000 |
|---|---|
| Standard deduction | โ$16,100 |
| Taxable income | $58,900 |
| 22% bracket range | $50,400 to $105,700 |
| Tax | $7,670.00 |
What to do next
How it works
If you enter gross income, the calculator subtracts the 2026 standard deduction for your filing status to get taxable income. Then it finds the bracket that income lands in and taxes each slice at its own rate.
The table shows how much of your income falls into each bracket and the tax on that slice. The effective rate is the total tax divided by your income.
Things to keep in mind
Brackets apply to taxable income, not gross pay. Retirement contributions, health premiums taken pre-tax and itemized deductions all lower the number that gets bracketed.
This covers federal ordinary income only. Social Security and Medicare are flat payroll taxes, and most states add their own income tax with separate brackets.
Sources
Rules applied as of 2026-01-01. See the sources below for details.
- IRS Rev. Proc. 2025-32 (tax year 2026 inflation adjustments)Checked 2026-10-19
- IRS IR-2025-103 (2026 inflation adjustments incl. OBBB)Checked 2026-10-19
Frequently asked questions
What is the difference between marginal and effective tax rate?
The marginal rate is the rate on your last dollar of taxable income, which is your bracket. The effective rate is total tax divided by income, and it is always lower because the earlier dollars were taxed at lower rates or not at all.
Will a raise push me into a higher bracket and cost me money?
No. Only the dollars above the bracket line are taxed at the higher rate. Earning more always leaves you with more after federal income tax.
What are the 2026 brackets for married couples?
Married filing jointly: 10% to $24,800, 12% to $100,800, 22% to $211,400, 24% to $403,550, 32% to $512,450, 35% to $768,700, 37% above $768,700 of taxable income.
Does my bracket apply to capital gains?
Not to long-term gains. Assets held more than a year, and qualified dividends, are taxed at 0%, 15% or 20% depending on income. Short-term gains are taxed as ordinary income at your bracket rate.