Tax Bracket Calculator
Calculate your 2026 federal income tax using current US tax brackets. See your effective and marginal tax rates, bracket breakdown, and compare across all filing statuses. Visualize how much of your income falls in each bracket.
2 minutes Easy
How to Use This Calculator
- Select your filing status (Single, Married Filing Jointly, etc.)
- Enter your gross income (total earnings before deductions)
- Add any above-the-line deductions (401k, IRA, HSA contributions)
- Choose standard or itemized deductions
- Click Calculate to see your tax breakdown by bracket
Filing Information
$
Total income before any deductions
Above-the-Line Deductions
$
$
$
$
Deduction Method
📋 Understanding Tax Brackets (2026)
The US uses a progressive tax system — you don't pay your marginal rate on ALL your income. Each bracket only applies to income within that range. Your effective rate (total tax / total income) is always lower than your marginal bracket.
💡 Marginal vs Effective Tax Rate
- Marginal Rate: The tax rate on your last dollar of income (your highest bracket)
- Effective Rate: Your actual average tax rate (total tax ÷ total income)
- Example: $100k income (single) has a 22% marginal rate but ~17% effective rate
🎯 Tax-Saving Strategies
- Max 401(k): Up to $23,500 in 2026 ($31,000 if 50+)
- HSA contributions: Up to $4,300 individual / $8,550 family
- Traditional IRA: Up to $7,000 ($8,000 if 50+)
- Student loan interest: Up to $2,500 deductible
🔗 Save & Share Your Calculation
Your inputs are automatically saved in the URL. You can bookmark this page to save your calculation, or use the Share button to send it to others.
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