Tax Bracket Calculator

2026 rules

Find your 2026 federal bracket and see how your income fills each one.

Your numbers

Filing status

Gross income

Pre-tax deductions (401(k), HSA, IRA)

Itemized deductions (0 to use the standard deduction)

Result

Your 2026 tax bracket22%

Gross income$95,000
Less pre-tax deductions-$6,000
Less standard deduction-$16,100
Taxable income$72,900
Federal income tax$10,750
Effective rate on gross income11.3%
Room left in this bracket$32,800

2026 brackets, single

Rate	Taxable income	Tax in this bracket
10%	$0 – $12,400	$1,240
12%	$12,400 – $50,400	$4,560
22%	$50,400 – $105,700	$4,950
24%	$105,700 – $201,775	$0
32%	$201,775 – $256,225	$0
35%	$256,225 – $640,600	$0
37%	over $640,600	$0

How it works

Only the income inside each bracket is taxed at that bracket's rate. For a single filer in 2026, the first $12,400 of taxable income is taxed at 10%, the next dollars up to $50,400 at 12%, then 22% up to $105,700, and so on to 37% above $640,600.

Taxable income is gross income minus pre-tax deductions and the larger of the standard deduction ($16,100 single, $32,200 joint) or your itemized deductions.

2026 figures: IRS Rev. Proc. 2025-32 (2026 inflation adjustments).

Questions

Will a raise put me in a higher bracket and lower my pay?

No. Only the dollars above the bracket line are taxed at the higher rate, so a raise always leaves you with more.

Are the 2026 brackets permanent?

The 2025 tax law made the seven rates permanent. The bracket thresholds rise with inflation each year.