FederalSame rules in every state
Find your 2026 tax bracket and see how much of your income is taxed at each rate.
This is a federal income tax tool for tax year 2026 (the return you file in early 2027). For your refund, use the tax refund calculator.
These rates apply to taxable income: what's left after the standard deduction. They're for tax year 2026, the return you file in early 2027.
| 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 $201,750 |
| 32% | $201,776 to $256,225 | $403,551 to $512,450 | $201,751 to $256,200 |
| 35% | $256,226 to $640,600 | $512,451 to $768,700 | $256,201 to $640,600 |
| 37% | Over $640,600 | Over $768,700 | Over $640,600 |
Married filing separately uses the single brackets up to $384,350, then 37% above that.
| Filing status | Standard deduction 2026 | Extra if 65+ or blind |
|---|---|---|
| Single | $16,100 | $2,050 |
| Married filing jointly | $32,200 | $1,650 each |
| Head of household | $24,150 | $2,050 |
| Married filing separately | $16,100 | $1,650 |
People 65 and older can also take the new senior deduction of up to $6,000 each.
The U.S. taxes income in layers. The first slice of taxable income is taxed at 10%, the next slice at 12%, and so on. Your bracket is the rate on your last dollar, not on all of your income.
No. Only the dollars above the bracket line are taxed at the higher rate. A raise always leaves you with more money after federal income tax.
$16,100 single, $32,200 married filing jointly and $24,150 head of household. People 65 or older get an extra $2,050 (single) or $1,650 each (married).
Your total federal income tax divided by your total income. It is almost always much lower than your bracket.
Long-term gains are taxed at 0% for taxable income up to $49,450 single, $98,900 married jointly or $66,200 head of household; 15% up to $545,500, $613,700 or $579,600; and 20% above that. This calculator treats all income as regular income.