Tax Bracket Calculator
See exactly which 2026 federal tax bracket your income falls into, how much tax you pay in each bracket, your marginal vs effective rate, and how deductions change your bill.
Annual Take Home
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Monthly Income
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Effective Tax Rate
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State Tax
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Calculator
Key Takeaways
What You Should Know
- Annual take-home updates live as you change inputs
- Monthly income reflects your pay frequency
- Tax rate includes federal, FICA, and state withholding
- All calculations run privately in your browser
Visual Breakdown
Charts & Projections
Tax Breakdown
How your gross pay splits across taxes and net income.
State Comparison
Take-home pay across selected states at the same salary.
Lifetime Wealth Projection
Illustrative growth of invested take-home pay over time.
In This Guide
Overview
The Progressive Tax System: Why Your Effective Rate Is Always Lower
The US federal income tax is progressive — higher rates only apply to the income above each threshold, not to all your income. This means a single person earning $60,000 doesn’t pay 22% on $60,000 — they pay 10% on the first $11,925, 12% on the next $36,550, and 22% only on $60,000 minus $48,475 minus the $15,000 standard deduction.
2026 Federal Tax Brackets — All Filing Statuses
| Rate | Single | Married Joint | Head of Household |
|---|---|---|---|
| 10% | $0 – $11,925 | $0 – $23,850 | $0 – $17,000 |
| 12% | $11,925 – $48,475 | $23,850 – $96,950 | $17,000 – $64,850 |
| 22% | $48,475 – $103,350 | $96,950 – $206,700 | $64,850 – $103,350 |
| 24% | $103,350 – $197,300 | $206,700 – $394,600 | $103,350 – $197,300 |
| 32% | $197,300 – $250,525 | $394,600 – $501,050 | $197,300 – $250,500 |
| 35% | $250,525 – $626,350 | $501,050 – $751,600 | $250,500 – $626,350 |
| 37% | Over $626,350 | Over $751,600 | Over $626,350 |
Deductions vs Credits: The Key Difference
A deduction reduces your taxable income. A $1,000 deduction at the 22% rate saves you $220. A credit reduces your tax bill dollar-for-dollar — a $1,000 credit saves exactly $1,000 regardless of your bracket. Common credits in 2026: Child Tax Credit ($2,000 per qualifying child), Child and Dependent Care Credit (up to $1,050 for one child), EITC (up to $7,830 for families with 3+ children).
Capital Gains Tax Rates vs Ordinary Income
Long-term capital gains (assets held over 1 year) are taxed at preferential rates: 0%, 15%, or 20% depending on income — not at ordinary income bracket rates. This is why a high-income investor with most income from dividends and capital gains often has a lower effective rate than a wage earner with the same gross income.
Calculate your capital gains separately with our Capital Gains Tax Calculator.
Questions
Frequently Asked Questions
Methodology
Sources & Methodology
Rates and limits reflect 2026 IRS publications, SSA wage bases, and official federal guidance. Calculators use progressive federal brackets and standard deductions unless noted.