US income tax calculator
Your 2026 US federal income tax, bracket by bracket, and what’s left in each paycheck after Social Security and Medicare.
How your income fills the brackets
Each slice of taxable income is taxed at its own rate. Darker slices are taxed more.
- Deductions, not taxed
- Taxed, darker means a higher rate
| Rate | Bracket | Your income in it | Tax |
|---|
2026 federal tax brackets for single filers
| Rate | Taxable income |
|---|---|
| 10% | $0 to $12,400 |
| 12% | $12,401 to $50,400 |
| 22% | $50,401 to $105,700 |
| 24% | $105,701 to $201,775 |
| 32% | $201,776 to $256,225 |
| 35% | $256,226 to $640,600 |
| 37% | Over $640,600 |
Where the figures come from
Brackets and standard deductions for 2026 are from IRS Revenue Procedure 2025-32: $16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household. Employees pay 6.2% Social Security tax on wages up to $184,500 and 1.45% Medicare tax on all wages, plus 0.9% on wages above $200,000 ($250,000 for joint filers).
Questions people ask
What is the difference between marginal and effective tax rate?
Your marginal rate is the rate on your last dollar of taxable income, the top bracket you reach. Your effective rate is your total income tax divided by your total income. Because only the income inside each bracket is taxed at that bracket’s rate, the effective rate is always lower.
Will a raise push me into a higher bracket and lower my take-home pay?
No. A higher bracket only taxes the extra dollars at the higher rate. Everything below stays taxed as before, so a raise always increases take-home pay under federal income tax.
What does this calculator leave out?
State and local income tax, the extra deduction for people 65 or older or blind, the new deductions for tips, overtime and seniors, capital gains rates, self-employment tax, the alternative minimum tax and most credits other than the child tax credit. Treat the result as a planning estimate.