Tax Bracket Calculator 2026 and 2027
Your tax bracket is the federal rate on your last dollar of taxable income. In 2026 a single filer with $85,000 of income subtracts the $16,100 standard deduction and has $68,900 in the 22% bracket: $9,870 of tax, an effective rate of 11.61%. Choose your filing status and year to see every bracket. Free.
Enter your income for the year before deductions. Leave the deduction empty to use the standard deduction for your filing status, or enter your itemized deductions. Results update as you type and stay in this browser until you start over.
Tax bracket example
A single filer earns $85,000 in 2026 and takes the $16,100 standard deduction, so $68,900 is taxable.
| Rate | Income taxed | Tax |
|---|---|---|
| 10% | $12,400 | $1,240 |
| 12% | $38,000 | $4,560 |
| 22% | $18,500 | $4,070 |
| Total | $68,900 | $9,870 |
The filer is in the 22% bracket, but only $18,500 is taxed at 22%. The tax of $9,870 is 11.61% of income, and another $36,800 of taxable income would still be taxed at 22% before the 24% bracket starts.
Federal income tax brackets
Taxable income ranges by filing status, from the IRS revenue procedures.
2026 tax brackets
| Rate | Single | Married filing jointly |
|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 |
| 12% | $12,400 – $50,400 | $24,800 – $100,800 |
| 22% | $50,400 – $105,700 | $100,800 – $211,400 |
| 24% | $105,700 – $201,775 | $211,400 – $403,550 |
| 32% | $201,775 – $256,225 | $403,550 – $512,450 |
| 35% | $256,225 – $640,600 | $512,450 – $768,700 |
| 37% | over $640,600 | over $768,700 |
Head of household, 2026: 10% up to $17,700; 12% to $67,450; 22% to $105,700; 24% to $201,750; 32% to $256,200; 35% to $640,600; 37% over $640,600.
Married filing separately, 2026: 10% up to $12,400; 12% to $50,400; 22% to $105,700; 24% to $201,775; 32% to $256,225; 35% to $384,350; 37% over $384,350.
Standard deduction, 2026: $16,100 single or married filing separately, $32,200 married filing jointly, $24,150 head of household.
2027 tax brackets
| Rate | Single | Married filing jointly |
|---|---|---|
| 10% | $0 – $12,800 | $0 – $25,600 |
| 12% | $12,800 – $52,025 | $25,600 – $104,050 |
| 22% | $52,025 – $109,125 | $104,050 – $218,250 |
| 24% | $109,125 – $208,325 | $218,250 – $416,650 |
| 32% | $208,325 – $264,550 | $416,650 – $529,100 |
| 35% | $264,550 – $661,375 | $529,100 – $793,650 |
| 37% | over $661,375 | over $793,650 |
Head of household, 2027: 10% up to $18,250; 12% to $69,650; 22% to $109,100; 24% to $208,300; 32% to $264,550; 35% to $661,350; 37% over $661,350.
Married filing separately, 2027: 10% up to $12,800; 12% to $52,025; 22% to $109,125; 24% to $208,325; 32% to $264,550; 35% to $396,825; 37% over $396,825.
Standard deduction, 2027: $16,600 single or married filing separately, $33,200 married filing jointly, $24,925 head of household.
Lower the tax you pay
Pre-tax contributions to a 401(k), a traditional IRA or a health savings account lower your taxable income, and tax credits lower the tax itself. To see what your paycheck looks like after withholding, use the payroll calculator; if you are self-employed, plan your payments with the quarterly estimated tax calculator.
Frequently asked questions
What tax bracket am I in?
Take your income for the year, subtract the standard deduction or your itemized deductions, and find the result in the table for your filing status. In 2026 a single filer with $85,000 of income has $68,900 of taxable income, which falls in the 22% bracket ($50,400 to $105,700).
Does moving into a higher bracket mean all my income is taxed more?
No. The US tax is progressive: each slice of taxable income is taxed at its own rate, and a higher rate applies only to the dollars above the start of that bracket. A raise that moves you into the next bracket always leaves you with more money after tax.
What is the difference between the marginal and the effective tax rate?
The marginal rate is the rate on your last dollar of taxable income, your tax bracket. The effective rate is your total tax divided by your income. On $85,000 of income in 2026, a single filer has a 22% marginal rate but pays $9,870, an effective rate of 11.61%.
What are the 2027 tax brackets?
The IRS published them on November 5, 2026, in Revenue Procedure 2026-35. The rates stay at 10% to 37%; the brackets and the standard deduction rise with inflation. For a single filer the 22% bracket starts at $52,025 and the standard deduction is $16,600.
What does this calculator leave out?
It works out ordinary federal income tax only. Tax credits such as the child tax credit lower the tax it shows; long-term capital gains and qualified dividends have their own lower rates; the alternative minimum tax, the other deductions of the 2025 tax law and state income tax are not included.
Is what I enter stored or sent anywhere?
No. The calculation runs in your browser and the figures are saved only in this browser so you can come back to them. Nothing you enter is sent to SalesBond or anyone else. Click Start over to clear it.
Related tools: payroll calculator, quarterly estimated tax calculator, salary calculator. More on sales and running a sales team on the SalesBond blog and the home page.
Official sources
- IRS Revenue Procedure 2025-32 — 2026 tax rate tables (section 4.01) and standard deduction (section 4.14).
- IRS Revenue Procedure 2026-35 — 2027 tax rate tables (section 3.01) and standard deduction (section 3.15).
- IRS news release IR-2026-133 — the 2027 inflation adjustments, November 5, 2026.
Updated on Nov 7, 2026. This calculator is for information only and is not tax, legal or payroll advice. Results are estimates of ordinary federal income tax from the IRS tables above; check your return with the IRS or a tax professional.
