US Income Tax Calculator 2026 — Federal Tax Brackets

The US federal income tax is progressive: income is split into brackets, and each bracket is taxed at its own rate, from 10% to 37%. Only the income inside a bracket is taxed at that bracket's rate, so moving into a higher bracket never reduces your take-home pay. Before the brackets apply, you subtract a deduction. For tax year 2026, the standard deduction is $16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household. If your itemized deductions, such as mortgage interest, state and local taxes and charitable gifts, are larger, enter them instead; the calculator uses whichever is higher. 2026 brackets for single filers: 10% up to $12,400, 12% up to $50,400, 22% up to $105,700, 24% up to $201,775, 32% up to $256,225, 35% up to $640,600 and 37% above. Married filing jointly: 10% up to $24,800, 12% up to $100,800, 22% up to $211,400, 24% up to $403,550, 32% up to $512,450, 35% up to $768,700 and 37% above. Head of household: 10% up to $17,700, 12% up to $67,450, 22% up to $105,700, 24% up to $201,750, 32% up to $256,200, 35% up to $640,600 and 37% above. This is an estimate of federal income tax only. It does not include tax credits (such as the child tax credit), Social Security and Medicare (FICA), state or local income tax, or special rates on long-term capital gains and qualified dividends.