Estimate your 2026 federal income tax in seconds. Enter your income and filing status, and this calculator applies the standard deduction (or your itemized deductions) and the 2026 tax brackets, then shows exactly how much tax falls in each bracket, plus your marginal and effective tax rate.
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2026 federal tax brackets
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | Up to $12,400 | Up to $24,800 | Up to $17,700 |
| 12% | $12,401 – $50,400 | $24,801 – $100,800 | $17,701 – $67,450 |
| 22% | $50,401 – $105,700 | $100,801 – $211,400 | $67,451 – $105,700 |
| 24% | $105,701 – $201,775 | $211,401 – $403,550 | $105,701 – $201,750 |
| 32% | $201,776 – $256,225 | $403,551 – $512,450 | $201,751 – $256,200 |
| 35% | $256,226 – $640,600 | $512,451 – $768,700 | $256,201 – $640,600 |
| 37% | Over $640,600 | Over $768,700 | Over $640,600 |
These are taxable income amounts, after deductions. Married filing separately uses the single brackets up to 32%, then 35% up to $384,350 and 37% above.
2026 standard deduction
| Filing status | Standard deduction | Extra if 65+ or blind |
|---|---|---|
| Single | $16,100 | $2,050 |
| Married filing jointly | $32,200 | $1,650 each |
| Married filing separately | $16,100 | $1,650 |
| Head of household | $24,150 | $2,050 |
Frequently asked questions
How much federal tax do I pay on $85,000?
A single filer earning $85,000 who puts $5,000 into a 401(k) has $63,900 of taxable income after the $16,100 standard deduction. The 2026 federal tax on that is $8,770, an effective rate of about 10.3% of total income.
What is the difference between marginal and effective tax rate?
Your marginal rate is the rate on your last dollar of income, your top bracket. Your effective rate is your total tax divided by your income. Because each bracket only taxes the income inside it, your effective rate is always lower than your marginal rate.
Should I itemize or take the standard deduction?
Itemize only if your deductions, such as mortgage interest, state and local taxes and charitable gifts, add up to more than your standard deduction. Enter your itemized total above and the calculator uses whichever is larger.
Tax year 2026 brackets and standard deductions from IRS Revenue Procedure 2025-32. Does not include tax credits, capital gains, self-employment tax or newer deductions for seniors, tips and overtime. An estimate only, not tax advice. Related: Paycheck calculator · Roth IRA calculator