Federal income tax calculator for 2026
Federal income tax for 2026 is figured on taxable income, which is your income minus pre-tax deductions and the standard deduction of $16,100 single or $32,200 married filing jointly. Each slice is taxed at its own rate, from 10% to 37%. Enter your income to see the tax, bracket by bracket.
Updated November 2026
Calculator
Uses the 2026 brackets and standard deduction. Credits, capital gains rates and the QBI deduction aren't included. An estimate, not tax advice.
How do tax brackets work?
The US uses marginal brackets. Only the income inside each band is taxed at that band's rate, so moving into a higher bracket never makes your whole income taxed at the higher rate. Your effective rate, total tax divided by income, is always lower than your top bracket.
| 2026 rate | Single | Married filing jointly |
|---|---|---|
| 10% | Up to $12,400 | Up to $24,800 |
| 12% | $12,401 to $50,400 | $24,801 to $100,800 |
| 22% | $50,401 to $105,700 | $100,801 to $211,400 |
| 24% | $105,701 to $201,775 | $211,401 to $403,550 |
| 32% | $201,776 to $256,225 | $403,551 to $512,450 |
| 35% | $256,226 to $640,600 | $512,451 to $768,700 |
| 37% | Over $640,600 | Over $768,700 |
See every filing status and the other 2026 numbers in our 2026 tax brackets guide.
What does $85,000 of income owe?
A single filer with $85,000 of income and no pre-tax deductions has $68,900 of taxable income after the $16,100 standard deduction. The tax is $1,240 at 10%, $4,560 at 12% and $4,070 at 22%, for $9,870 in total. That's an effective rate of 11.6%, even though the top bracket is 22%.
What does the calculator leave out?
Credits like the child tax credit, the lower rates on long-term capital gains and qualified dividends, the qualified business income deduction and self-employment tax. Business owners should use the 1099 tax calculator, which includes self-employment tax and the QBI deduction.
Sources
General information, not tax advice for your situation.
What tax bracket am I in for 2026?
Find your taxable income in the table. A single filer with $68,900 of taxable income is in the 22% bracket, though only the part above $50,400 is taxed at 22%.
What is the difference between marginal and effective tax rate?
Your marginal rate is the rate on your last dollar. Your effective rate is your total tax divided by your income, which is lower.
Does the calculator include state tax?
No. It's federal income tax only.
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