Federal Tax Bracket Calculator (US)

See which federal bracket you are in and how your tax is built, bracket by bracket

Gross annual income

$0$1,000,000

Filing status

Other deductions (401(k), HSA, etc.)

$0$200,000

Standard deduction (2026): $16,100

Your federal marginal rate

22%

$26,800 of room before the next bracket

Taxable income

$78,900

Federal income tax

$12,070

Effective rate

12.7%

of gross income

Rate	Bracket	Income taxed	Tax
10%	$0 – $12,400	$12,400	$1,240
12%	$12,400 – $50,400	$38,000	$4,560
22%	$50,400 – $105,700	$28,500	$6,270
24%	$105,700 – $201,775	$0	$0
32%	$201,775 – $256,225	$0	$0
35%	$256,225 – $640,600	$0	$0
37%	$640,600 – and up	$0	$0

Brackets apply only to the slice of income inside each range — moving into a higher bracket never reduces your take-home pay on the income below it. 2026 federal brackets (IRS Rev. Proc. 2025-32); excludes FICA, state tax and credits.

How this calculator works

The US has a progressive income tax: each rate applies only to the slice of taxable income that falls inside its bracket. Earning more and crossing into a higher bracket never reduces your take-home pay on the income below it.

Enter your gross income and filing status. The calculator subtracts the 2026 standard deduction (and any other deductions you enter), then shows how much of your income is taxed at each rate, your marginal rate, your effective rate and how much room you have before the next bracket.

Brackets shown are the 2026 federal rates from IRS Rev. Proc. 2025-32. They do not include FICA, state or local taxes, or credits, so use this for planning rather than filing.

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