Tax Bracket Calculator 2026 (Marginal & Effective Rate)

Find your 2026 federal tax bracket and see how much of your income is taxed at each rate. The calculator shows your marginal bracket, your effective rate, and how much more taxable income you can earn before moving to the next bracket. Example: a single filer with $75,000 of income has $58,900 of taxable income, which puts them in the 22% bracket with $46,800 of room before the 24% bracket.

How to use the Tax Bracket Calculator

1. Select your filing status.
2. Enter your gross income and any pre-tax deductions or itemized deductions.
3. Press Calculate to see your marginal bracket, effective rate and the tax in each bracket.

Formula and method

Taxable income = income − adjustments − deduction. Your marginal bracket is the highest rate whose threshold your taxable income exceeds. Tax is the sum of (income in each bracket × that bracket’s rate).

Example: single, $58,900 taxable income. 10% × 12,400 = 1,240; 12% × 38,000 = 4,560; 22% × 8,500 = 1,870; total $7,670.

2026 federal tax brackets

Frequently asked questions

Does moving into a higher bracket cut my take-home pay?

No. Only the dollars above the threshold are taxed at the higher rate. A raise never lowers your after-tax income because of brackets.

What is the difference between marginal and effective rate?

The marginal rate is the rate on your next dollar. The effective rate is total tax divided by total income and is lower.

Which year do these brackets apply to?

Tax year 2026, for returns filed in 2027. They come from IRS Rev. Proc. 2025-32.

Sources

• IRS: Federal income tax rates and brackets
• IRS: Standard deduction

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