Estimate your 2026 US federal income tax using the current IRS brackets and standard deduction — enter your gross income and filing status.
| Rate | Bracket range | Tax from this bracket |
|---|
This calculator applies the seven 2026 federal tax brackets to your income after subtracting the standard deduction (plus any extra deductions you enter). Tax is progressive: only the slice of income inside each bracket is taxed at that bracket's rate, not your whole income at your top rate.
| Filing status | Standard deduction |
|---|---|
| Single | $16,100 |
| Married filing jointly | $32,200 |
Single filers:
| Rate | Taxable income range |
|---|---|
| 10% | $0 – $12,400 |
| 12% | $12,400 – $50,400 |
| 22% | $50,400 – $105,700 |
| 24% | $105,700 – $201,775 |
| 32% | $201,775 – $256,225 |
| 35% | $256,225 – $640,600 |
| 37% | Above $640,600 |
Married filing jointly:
| Rate | Taxable income range |
|---|---|
| 10% | $0 – $24,800 |
| 12% | $24,800 – $100,800 |
| 22% | $100,800 – $211,400 |
| 24% | $211,400 – $403,550 |
| 32% | $403,550 – $512,450 |
| 35% | $512,450 – $768,700 |
| 37% | Above $768,700 |
Your marginal rate is the rate on your last dollar earned — the bracket your top income falls into. Your effective rate is your total tax divided by your income, blending all the lower brackets you passed through on the way up. Effective rate is almost always noticeably lower than marginal rate, which is why "I don't want a raise, it'll push me into a higher bracket" is a common misunderstanding — only the income above the threshold gets taxed at the higher rate.