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Tax Bracket Calculator 2026 (Marginal vs Effective)
Free tax bracket calculator: find your 2026 federal tax bracket, your effective tax rate and how much tax falls in each bracket, for single, married filing jointly and head of household.
Your income
Your tax bracket
22%
| Deduction used | $16,100 |
| Taxable income | $68,900 |
| Federal income tax | $9,870 |
| Effective tax rate | 11.6% |
| Room before the next bracket | $36,800 |
Only the money inside each bracket is taxed at that rate: moving into a higher bracket never lowers your take-home pay.
Tax in each bracket
| Rate | Income in bracket | Tax |
|---|---|---|
| 10% | $12,400 | $1,240 |
| 12% | $38,000 | $4,560 |
| 22% | $18,500 | $4,070 |
Rules last checked October 2026. Ordinary federal income tax only: no credits, long-term capital gains or state tax. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: IRS: federal income tax rates and brackets
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
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Questions people ask
What's 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 ÷ your income, which is always lower.
Will a raise push me into a higher bracket and lower my pay?+
No. Only the dollars above the bracket line are taxed at the higher rate.
What are the 2026 tax brackets?+
10%, 12%, 22%, 24%, 32%, 35% and 37%. The income ranges depend on your filing status; the calculator shows them.