What Tax Bracket Am I In? 2026 Quick Lookup
Your tax bracket depends on your filing status and taxable income (gross income minus the standard deduction or itemized deductions). For 2026, single filers enter the first bracket at $0 and the 12% bracket at $12,400, while married couples filing jointly stay in the 10% bracket up to $24,800. The tables below show the exact thresholds for every status.
How to find your bracket
Follow these steps to determine your 2026 federal tax bracket:
- Start with gross income. Add up all wages, salary, tips, interest, dividends, and other income for the year.
- Subtract above-the-line deductions. These include IRA contributions, student loan interest, and any OBBBA deductions (tips, overtime, senior bonus) you qualify for.
- Subtract the standard deduction or itemized deductions. The standard deduction for 2026 is $16,100 (single), $32,200 (MFJ), or $24,150 (HoH). Use whichever is larger: standard or itemized.
- Find your taxable income in the table below that matches your filing status. The bracket your income falls into is your marginal tax bracket.
For a faster answer, enter your income into the federal income tax calculator, which computes your bracket, marginal rate, and effective rate automatically.
2026 Single filer brackets
| Rate | Taxable income range |
|---|---|
| 10% | $0 to $12,400 |
| 12% | $12,400 to $50,400 |
| 22% | $50,400 to $105,700 |
| 24% | $105,700 to $201,775 |
| 32% | $201,775 to $256,225 |
| 35% | $256,225 to $640,600 |
| 37% | $640,600 and above |
2026 Married Filing Jointly brackets
| Rate | Taxable income range |
|---|---|
| 10% | $0 to $24,800 |
| 12% | $24,800 to $100,800 |
| 22% | $100,800 to $211,400 |
| 24% | $211,400 to $403,550 |
| 32% | $403,550 to $512,450 |
| 35% | $512,450 to $768,700 |
| 37% | $768,700 and above |
2026 Head of Household brackets
Head of Household is available to unmarried taxpayers who pay more than half the cost of maintaining a home for a qualifying dependent. The standard deduction for HoH is $24,150.
| Rate | Taxable income range |
|---|---|
| 10% | $0 to $17,700 |
| 12% | $17,700 to $67,450 |
| 22% | $67,450 to $105,700 |
| 24% | $105,700 to $201,750 |
| 32% | $201,750 to $256,200 |
| 35% | $256,200 to $640,600 |
| 37% | $640,600 and above |
Your bracket is not your tax rate
Finding your bracket tells you the rate on your last dollar of taxable income. It does not mean all your income is taxed at that rate. The U.S. tax system is progressive: income in lower brackets is taxed at lower rates regardless of your top bracket.
For example, a single filer with $58,900 in taxable income is in the22% bracket. But the first $12,400 is taxed at only 10%, and the next $38,000is taxed at 12%. The 22% rate applies only to the $8,500 above the 12%bracket ceiling.
Your effective tax rate (total tax / total income) is always lower than your marginal bracket. To understand why, read how tax brackets actually work or check the tax bracket glossary entry.