See your federal income tax bracket, effective rate, and exact taxes owed — using 2026 IRS rates and the standard deduction.
Your Income Details
Your 2026 Tax Summary
Tax Bracket Breakdown
| Bracket | Rate | Income in Bracket | Tax in Bracket | Cumulative Tax |
|---|
Tax brackets are marginal, not flat. Being in the 22% bracket doesn't mean you pay 22% on all income. You pay 10% on the first $11,925, 12% on the next chunk, and 22% only on the income that falls within that bracket — and so on up the ladder.
Effective vs. marginal rate: Your effective (average) rate is total tax ÷ total income — always lower than your marginal rate. Your marginal rate is the rate on your next dollar of income — the number that matters for deciding whether to take on extra work or make a retirement contribution.
2026 brackets reflect the Tax Cuts and Jobs Act provisions that were extended. Brackets adjust annually for inflation. These are federal rates only — state income tax is separate.
⚠️ Federal income tax estimates only. Does not include FICA, state/local taxes, AMT, or tax credits. Tax situations vary. Consult a CPA or tax professional for personalized advice.