What are the 2026 federal income tax brackets?

Single filers: 10% up to $11,925; 12% to $48,475; 22% to $103,350; 24% to $197,300; 32% to $250,525; 35% to $626,350; 37% above. Married filing jointly brackets are approximately double. These are indexed annually for inflation.

What is the difference between marginal and effective tax rate?

Marginal rate: the percentage you pay on your next dollar of income. Effective rate: total tax divided by total income. On $85,000 single, your marginal rate is 22% but your effective rate is closer to 15% because the first $70,000+ is taxed at lower brackets.

How do pre-tax deductions reduce my taxes?

Each dollar you contribute to a 401(k), HSA, or FSA reduces your taxable income by one dollar. If you are in the 22% bracket, a $5,000 401(k) contribution saves $1,100 in federal taxes — your actual cost is only $3,900. This is the core case for maximizing pre-tax retirement accounts.

2026 Federal Tax Bracket Calculator — Your Marginal & Effective Rate

Calculate your exact federal tax, marginal bracket, effective rate, and annual take-home pay for 2026.

Estimated Federal Tax

$9,388

Estimated Federal Tax

$9,388

Taxable Income (after standard deduction)

$65,400

Effective Tax Rate

11.04%

Estimated Annual Take-Home

$64,110

Diagnostic

Based on your income, you owe $9,388 in estimated federal tax.

Compare this against benchmarks to see where you stand.

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Coach Insight

Most people confuse their marginal rate (the rate on the last dollar earned) with their effective rate (the average rate on all income). Understanding the difference is essential for deciding between Roth and Traditional retirement accounts and optimizing deductions.