Tax Bracket Calculator
Find your 2026 federal tax bracket, marginal rate, and effective rate instantly. Shows tax by bracket, FICA, LTCG rates, state tax, and combined marginal rate.
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Total Federal Income Tax
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Effective Tax Rate —
Marginal Tax Rate —
After-Tax Income —
Extended More scenarios, charts & detailed breakdown ▾
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Total Federal Tax
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Tax in 10% Bracket —
Tax in 12% Bracket —
Tax in 22% Bracket —
Tax in 24%+ Brackets —
Effective Rate —
Professional Full parameters & maximum detail ▾
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Tax by Type
Federal Income Tax —
LTCG / Qualified Dividend Tax —
FICA (SS + Medicare) —
Self-Employment Tax —
NIIT (3.8% on investment income) —
State Income Tax (est.) —
Summary
Total Tax Burden —
After-Tax Income (Total) —
Rates
Effective Federal Rate —
Marginal Federal Rate —
Combined Marginal Rate (Fed+State+FICA) —
How to Use This Calculator
- Enter your Taxable Income — this is income after subtracting your standard or itemized deduction.
- Select your Filing Status — brackets differ by status.
- See your Marginal Rate, Effective Rate, and Total Tax instantly.
- Use the Federal Brackets tab to see exactly how much tax falls in each bracket.
- Use State + Federal tab to see your combined tax burden with FICA and state tax.
Formula
Progressive Tax: Each bracket only applies to income within its range.
Total Tax = Σ (Amount in each bracket × That bracket's rate)
Effective Rate = Total Tax ÷ Taxable Income × 100
2026 Standard Deduction: Single $15,000 | MFJ $30,000 | HoH $22,500
Example
Example: Single filer, $75,000 taxable income.
- 10% on $11,925 = $1,192.50
- 12% on $36,550 = $4,386.00
- 22% on $26,525 = $5,835.50
- Total Federal Tax: $11,414 | Effective Rate: 15.2% | Marginal Rate: 22%
Frequently Asked Questions
- For 2026 (single): 10% ($0–$11,925), 12% ($11,925–$48,475), 22% ($48,475–$103,350), 24% ($103,350–$197,300), 32% ($197,300–$250,525), 35% ($250,525–$626,350), 37% (over $626,350). These are the TCJA rates (extended/applicable for 2026 per current law).
- Your marginal rate is the rate on your last dollar of income — the highest bracket you are in. Your effective rate is total tax ÷ total income, a lower blended average. Only the amount in each bracket is taxed at that bracket's rate.
- No — this is a common misconception. Only the income above the threshold moves into the higher bracket. If you earn $50,000 single and get a $5,000 raise, only the portion above $48,475 is taxed at 22%; the rest is taxed at lower rates.
- FICA stands for Federal Insurance Contributions Act. It includes Social Security tax (6.2% on wages up to $176,100 in 2025) and Medicare tax (1.45% on all wages, plus 0.9% Additional Medicare Tax on wages over $200K single / $250K married). Self-employed pay both halves (15.3%).
- The Net Investment Income Tax (NIIT) is a 3.8% surtax on net investment income (interest, dividends, capital gains, rents) for taxpayers with AGI above $200,000 (single) or $250,000 (married). It was created by the Affordable Care Act.
Related Calculators
Sources & References (5) ▾
- IRS — Tax Rate Schedules (Form 1040 Instructions) — Internal Revenue Service
- Tax Foundation — Federal Income Tax Brackets — Tax Foundation
- IRS Publication 17 — Your Federal Income Tax — Internal Revenue Service
- IRS — Inflation Adjustments for Tax Year 2024 — Internal Revenue Service
- Congressional Budget Office — Federal Tax Rates and Revenue — Congressional Budget Office