Tax Bracket Calculator (2026)
Find out which federal tax bracket your income falls into for 2026.
Want to understand the concept, not just the number? Read The Federal Income Tax Guide .
How it's calculated
Your tax bracket is the rate applied to your highest dollar of taxable income. It is the same thing as your marginal rate. The calculator also shows the total tax that results from stacking every bracket below it.
For 2026, a single filer pays 10% on the first $12,400, 12% up to $50,400, 22% up to $105,700, and higher rates above that. So someone with $90,000 of taxable income is in the 22% bracket, but only the income above $50,400 is actually taxed at 22%.
Being in a higher bracket never means all of your income is taxed at that rate. It only affects the next dollars you earn, which is why crossing into a new bracket is far less costly than many people fear.
Assumptions
- Uses 2026 federal ordinary-income brackets. — IRS Rev. Proc. 2025-32
Last updated: 2026-08-07 · Tax year 2026
These assumptions follow our general methodology.
Frequently asked questions
Does being "in the 22% bracket" mean I pay 22% on everything?
No. Only the income within the 22% band is taxed at 22%. Income below is taxed at 10% and 12%.
How do I move to a lower bracket?
Reducing your taxable income can help, for example through 401(k) or HSA contributions that come out before tax. Those lower the income the brackets are applied to.
Do the brackets change each year?
Yes. The IRS adjusts the bracket thresholds for inflation every year. This calculator uses the official 2026 figures.