Use this federal income tax rate calculator to see your 2026 tax bracket, your total federal tax, your effective rate, and your take-home pay. Enter your income and filing status, then click Calculate.
Educational tool, not tax advice. SavingsClub is not a licensed tax professional. For your specific situation, consult a CPA.
Choose your filing status and enter your income above, then click Calculate to see your tax bracket, total federal tax, effective rate, and how each slice of income is taxed.
The federal income tax is progressive, which means your income is taxed in slices, not all at one rate. First you find your taxable income: your gross income minus the standard deduction (16,100 dollars for a single filer in 2026) or your itemized deductions. Then each slice of that taxable income is taxed at its own rate, from 10 percent on the lowest slice up to 37 percent on the highest.
Worked example. A single filer earns 75,000 dollars in 2026. Subtract the 16,100 dollar standard deduction and taxable income is 58,900 dollars. The first 12,400 dollars is taxed at 10 percent (1,240 dollars), the next 38,000 dollars at 12 percent (4,560 dollars), and the remaining 8,500 dollars at 22 percent (1,870 dollars). Add them up and the total federal income tax is about 7,670 dollars. That is a 22 percent marginal rate but only about a 10 percent effective rate on the full 75,000 dollars. The federal income tax rate calculator above does this math for any income and filing status.
Your marginal rate is the rate on your last dollar, set by your top bracket. Your effective rate is your total tax divided by your income, the average you actually pay. They are not the same, and the gap is large. In the example above, the filer is in the 22 percent bracket but pays an effective rate near 10 percent, because the income below the top bracket is taxed at 10 and 12 percent. This is why moving into a higher bracket never means your whole paycheck is suddenly taxed at the higher rate. Only the dollars inside that top bracket are.
Gross income is everything you earn: wages, interest, dividends, and other income. Taxable income is what is left after subtracting above-the-line adjustments and either the standard deduction or your itemized deductions. About 90 percent of filers take the standard deduction. The brackets apply to taxable income, which is why a 75,000 dollar salary is never looked up directly in the bracket table. If you want your paycheck broken down further, including Social Security and Medicare, use our paycheck calculator. If you are self employed or weighing a contract offer, our 1099 vs W2 calculator applies these same brackets on top of self employment tax and the qualified business income deduction.
These are the official 2026 brackets from IRS Revenue Procedure 2025-32. They apply to income earned in 2026, on returns filed in 2027. Find the row for your last dollar of taxable income to see your marginal bracket.
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 to $12,400 | $0 to $24,800 | $0 to $17,700 |
| 12% | $12,401 to $50,400 | $24,801 to $100,800 | $17,701 to $67,450 |
| 22% | $50,401 to $105,700 | $100,801 to $211,400 | $67,451 to $105,700 |
| 24% | $105,701 to $201,775 | $211,401 to $403,550 | $105,701 to $201,775 |
| 32% | $201,776 to $256,225 | $403,551 to $512,450 | $201,776 to $256,200 |
| 35% | $256,226 to $640,600 | $512,451 to $768,700 | $256,201 to $640,600 |
| 37% | $640,601 or more | $768,701 or more | $640,601 or more |
Married filing separately uses the same slices as single up to the 32 percent bracket, then reaches 35 percent above 256,225 dollars and 37 percent above 384,350 dollars. The 2026 standard deduction is 16,100 dollars for single and married filing separately, 32,200 dollars for married filing jointly, and 24,150 dollars for head of household. Source: IRS, Revenue Procedure 2025-32.
Start with your taxable income, which is your gross income minus the standard deduction (16,100 dollars for a single filer in 2026) or your itemized deductions. Then apply the 2026 brackets one slice at a time: the first 12,400 dollars is taxed at 10 percent, the next slice at 12 percent, and so on. Add the tax from each slice together. For example, a single filer with 58,900 dollars of taxable income owes about 7,670 dollars.
Your bracket is the rate that applies to your last dollar of taxable income, called your marginal rate. The 2026 rates are 10, 12, 22, 24, 32, 35, and 37 percent. A single filer with 58,900 dollars of taxable income is in the 22 percent bracket, because that income reaches into the 22 percent range but not the 24 percent range.
Your marginal rate is the rate on your last dollar, set by your top bracket. Your effective rate is your total tax divided by your taxable income, which is the average rate you actually pay. The effective rate is always lower than the marginal rate, because your lower income slices are taxed at lower rates. A single filer in the 22 percent bracket often has an effective rate closer to 13 percent.
For 2026 the standard deduction is 16,100 dollars for single filers and married filing separately, 32,200 dollars for married filing jointly and qualifying surviving spouses, and 24,150 dollars for heads of household. These amounts come from IRS Revenue Procedure 2025-32 and reduce your gross income before the brackets apply.
No. The United States uses a progressive system, so each slice of your income is taxed at its own rate. Only the portion that falls inside your top bracket is taxed at that top rate. Being in the 22 percent bracket does not mean 22 percent of your whole income goes to federal tax; your effective rate is lower.
Gross income is everything you earn: wages, interest, dividends, and other income. Taxable income is what remains after subtracting above-the-line adjustments and either the standard deduction or your itemized deductions. The tax brackets apply to taxable income, not gross income, which is why a 75,000 dollar salary is not simply looked up in the bracket table.
A single filer earning 75,000 dollars in gross income subtracts the 16,100 dollar standard deduction to get 58,900 dollars of taxable income, and owes about 7,670 dollars in federal income tax. That is a 22 percent marginal rate and an effective rate of roughly 10 percent of gross income. Your exact number depends on filing status and deductions.
The seven rates are the same and were made permanent by the One Big Beautiful Bill Act, but the income thresholds and the standard deduction were adjusted upward for inflation for 2026. The bottom two brackets received a larger 4 percent adjustment. This means slightly more of your income is taxed at lower rates in 2026 than in 2025.