Tax Bracket Calculator
See how your income flows through 2026 federal and state tax brackets. Understand marginal vs effective rates.
Total income tax
$19,123
19.1% effective rate
Federal
$13,170
22.0% marginal
State
$5,953
9.3% marginal
Taxable income: $83,900 (after $16,100 standard deduction)
Federal bracket breakdown
| Bracket | Rate | Taxable | Tax | Cumulative |
|---|---|---|---|---|
| $0–$12,400 | 10.0% | $12,400 | $1,240 | $1,240 |
| $12,400–$50,400 | 12.0% | $38,000 | $4,560 | $5,800 |
| $50,400–$105,700 | 22.0% | $33,500 | $7,370 | $13,170 |
State bracket breakdown
| Bracket | Rate | Taxable | Tax | Cumulative |
|---|---|---|---|---|
| $0–$10,412 | 1.0% | $10,412 | $104 | $104 |
| $10,412–$24,684 | 2.0% | $14,272 | $285 | $390 |
| $24,684–$38,959 | 4.0% | $14,275 | $571 | $961 |
| $38,959–$54,081 | 6.0% | $15,122 | $907 | $1,868 |
| $54,081–$68,350 | 8.0% | $14,269 | $1,142 | $3,009 |
| $68,350–$349,137 | 9.3% | $31,650 | $2,943 | $5,953 |
Based on 2026 federal brackets and standard deductions. State tax uses simplified brackets. Does not include FICA, local taxes, credits, or itemized deductions.
How it works
The US uses a progressive (graduated) income tax system. Your income is taxed in layers, with each layer taxed at a higher rate.
Step 1: Subtract the standard deduction from gross income to get taxable income. For 2026: $16,100 (single), $32,200 (married), $24,150 (HOH).
Step 2: Apply each federal bracket rate to only the income within that bracket range.
Step 3: Add state income tax — flat rate, progressive brackets, or none depending on your state.
Your marginal rate is the rate on your last dollar. Your effective rate is your total tax divided by total income — always lower than marginal.
2026 federal income tax brackets
| Rate | Single | Married | Head of household |
|---|---|---|---|
| 10% | $0– $12,400 | $0– $24,800 | $0– $17,700 |
| 12% | $12,400– $50,400 | $24,800– $100,800 | $17,700– $67,450 |
| 22% | $50,400– $105,700 | $100,800– $211,400 | $67,450– $105,700 |
| 24% | $105,700– $201,775 | $211,400– $403,550 | $105,700– $201,750 |
| 32% | $201,775– $256,225 | $403,550– $512,450 | $201,750– $256,200 |
| 35% | $256,225– $640,600 | $512,450– $768,700 | $256,200– $640,600 |
| 37% | $640,600– + | $768,700– + | $640,600– + |
State tax brackets by state
No income tax (9 states)
Alaska , Florida , Nevada , New Hampshire , South Dakota , Tennessee , Texas , Washington , Wyoming
Flat tax (14 states)
Arizona ( 2.50 %) , Colorado ( 4.40 %) , Georgia ( 5.09 %) , Idaho ( 5.70 %) , Illinois ( 4.95 %) , Indiana ( 2.95 %) , Iowa ( 3.80 %) , Kentucky ( 3.50 %) , Louisiana ( 3 %) , Michigan ( 4.25 %) , Mississippi ( 4 %) , North Carolina ( 3.99 %) , Pennsylvania ( 3.07 %) , Utah ( 4.55 %)
Progressive tax (28 states + DC)
Alabama , Arkansas , California , Connecticut , Delaware , District of Columbia , Hawaii , Kansas , Maine , Maryland , Massachusetts , Minnesota , Missouri , Montana , Nebraska , New Jersey , New Mexico , New York , North Dakota , Ohio , Oklahoma , Oregon , Rhode Island , South Carolina , Vermont , Virginia , West Virginia , Wisconsin
FAQ
How do tax brackets work?
Income is taxed in layers. Each layer (bracket) has its own rate. Only the income within each bracket is taxed at that rate — not your entire income.
What is the difference between marginal and effective tax rate?
Marginal = rate on your last dollar. Effective = total tax ÷ total income. Effective is always lower because of progressive brackets.
Will a raise push me into a higher bracket?
Only the income above the bracket threshold is taxed at the higher rate. You'll never take home less because of a raise.
Does this include FICA taxes?
No. This shows only income tax brackets. For a full paycheck breakdown including Social Security and Medicare, use our Paycheck Estimator.
How does the standard deduction work?
The standard deduction reduces your taxable income before brackets apply. For 2026: $16,100 (single), $32,200 (married), $24,150 (HOH).
Related tools
- Paycheck Estimator — full take-home pay with FICA and deductions
- Bonus Tax Calculator — see how bonuses are taxed
- Take-Home Pay by State — compare all 50 states
- Pay Raise Calculator — see how a raise affects your pay
- Gross-Up Calculator — find gross from desired net
This calculator uses 2026 federal brackets and simplified state tax rules. It does not include FICA, local taxes, credits, AMT, or itemized deductions. Consult a tax professional for advice.