Find your 2026 federal tax bracket by entering your taxable income and filing status.
Your marginal bracket
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Effective rate (federal income tax / taxable income)
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All 2026 brackets
2026 standard deductions
- Single: $15,750
- Married filing jointly: $31,500
- Married filing separately: $15,750
- Head of household: $23,625
Worked example
Take a single filer with $75,000 of taxable income, the figure you get after subtracting the standard deduction or itemized deductions from your gross. This tool taxes that $75,000 directly across the 2026 single bands. The first $11,925 falls in the 10% band and is taxed $1,192.50. The next slice, from $11,925 up to $48,475, is $36,550 taxed at 12%, which is $4,386. The remaining slice, from $48,475 up to $75,000, is $26,525 taxed at 22%, which is $5,835.50. Adding the three pieces gives total tax of $11,414. The marginal rate is 22%, because the last dollar sits in the 22% band, but the effective rate is only $11,414 divided by $75,000, about 15.2%. That gap is the whole point of a progressive system: moving into a higher bracket raises the rate only on the dollars inside that bracket, never on your entire income.
| Band | Taxed in band | Tax |
|---|---|---|
| 10% ($0 to $11,925) | $11,925 | $1,192.50 |
| 12% ($11,925 to $48,475) | $36,550 | $4,386.00 |
| 22% ($48,475 to $75,000) | $26,525 | $5,835.50 |
| Total (effective 15.2%) | $11,414 |
How it is calculated
Federal tax brackets are marginal, not flat, so the rate attached to your bracket does not apply to your whole income. The 2026 schedule has seven bands from 10% to 37%, with dollar thresholds that differ by filing status and are indexed to inflation each year. The tool walks your taxable income through the bands in order, taxing only the portion that falls inside each one and stopping when your income runs out. Your marginal rate is the rate on your highest dollar, useful for deciding whether an extra dollar of income or a deduction is worth it. Your effective rate is total tax divided by taxable income and is always lower, because earlier dollars were taxed in cheaper bands. Note this page works from taxable income; subtract your deduction from gross first using the standard deduction figures listed above.