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2026 Tax Bracket Calculator

See exactly which 2026 federal tax brackets your taxable income hits, your marginal rate, and your effective rate — with per-bracket math shown. Enter taxable income after deductions.

Estimate only — not tax adviceLast reviewed May 7, 2026How we calculate

The 2026 federal income tax brackets consist of seven marginal rates (10%, 12%, 22%, 24%, 32%, 35%, 37%) applied to ordinary taxable income. Thresholds are set by IRS Rev. Proc. 2025-32 using the Chained CPI-U inflation adjustment per IRC §1(f). OBBB §70101 made these rates permanent.

This calculator takes taxable income — the figure on Form 1040 line 15, after your deduction is applied. Each bracket rate applies only to the slice of income within its band. Your marginal rate is the rate on your top dollar; your effective rate is always lower.

Worked example: single filer, $63,900 taxable income. Tax = 10% × $12,400 + 12% × $38,000 + 22% × $13,500 = $1,240 + $4,560 + $2,970 = $8,770. Marginal bracket 22%, effective rate 13.7% (per Rev. Proc. 2025-32 Table 1).

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Enter amount after standard or itemized deduction — not gross income

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See tax impact of earning X more dollars

How to use this calculator

  • Enter your taxable income — the amount after your deduction, not gross income.
  • Select your filing status.
  • Optionally enter a what-if additional income amount to see the tax on that next $X.
  • Read the bracket breakdown and effective vs. marginal rate.

Formula and assumptions

for each bracket: taxableSlice = max(0, min(income, top) - bottom)
bracketTax = taxableSlice * rate
totalTax = sum(bracketTax)
effectiveRate = totalTax / taxableIncome
marginalRate = rate where taxableIncome > bracketBottom
Brackets
2026 ordinary income brackets from Rev. Proc. 2025-32
Input
Takes taxable income after deduction — not gross/AGI
Excluded
LTCG, AMT, NIIT, credits — use full Federal Income Tax Calculator

Worked example

Single filer, $63,900 taxable income (after $16,100 standard deduction)

10% on $12,400$1,240.00
12% on $38,000 ($12,400→$50,400)$4,560.00
22% on $13,500 ($50,400→$63,900)$2,970.00
Total 2026 federal income tax$8,770.00

Marginal bracket: 22%. Effective rate on $63,900: 13.7%.

Limitations

  • Ordinary income only — no LTCG, qualified dividends, or AMT modeling.
  • Does not apply credits (CTC, education, EITC, etc.).
  • Educational estimate — not professional tax advice.

Frequently asked questions

The 2026 federal tax brackets are: 10%, 12%, 22%, 24%, 32%, 35%, and 37% for ordinary income. Each rate applies only to the slice of income within that bracket, not your total income. Your marginal bracket is the rate on your top dollar; your effective rate is always lower.

Recent updates

  • Feb 20262026 bracket thresholds locked from IRS Rev. Proc. 2025-32 Table 1; OBBB §70101 permanence confirmed.
  • Nov 2025Pre-launch draft updated when IRS published official 2026 Rev. Proc. 2025-32 inflation adjustments.
  • May 2025Calculator launched using projected 2026 brackets based on IRC §1(f) CPI-U formula.

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