Tools · Tax Bracket (2026)

Tax brackets,
made visible.

Most people conflate marginal rate with effective rate. This tool breaks your income into every federal bracket it crosses and shows what each one costs. Single, married filing jointly, or head of household. Pre-tax deductions reduce your taxable income before the brackets apply.

This page covers US-specific accounts and tax law. Outside the US? The priority order is the same, the account names differ (ISA in the UK, TFSA/RRSP in Canada, Super in Australia, etc.).

2026 brackets shown are IRS inflation-adjusted projections. The IRS typically publishes final figures in October/November of the prior year. Verify at irs.gov before filing. Federal only, state taxes vary by jurisdiction.

Not Roth contributions. Only pre-tax.

TAXABLE INCOME
$0
FEDERAL TAX
$0
EFFECTIVE RATE
0%
MARGINAL RATE
0%
AFTER-TAX INCOME (FEDERAL ONLY)
$0
INCOME BROKEN INTO BRACKETS
MARGINAL VS EFFECTIVE

Your marginal rate is the bracket your next dollar falls into. Your effective rate is your total tax divided by taxable income, always lower, because earlier income was taxed at lower brackets. A “22% bracket” taxpayer typically pays 12–16% effectively. This is why “I just entered a new bracket” does not mean all your income is suddenly taxed at the higher rate.

What this tool assumes
  • 2026 federal marginal brackets (projected IRS Rev. Proc. figures).
  • Marginal rate applies to the next dollar; effective rate averages all brackets filled.

Not tax advice. Federal only. State taxes, FICA, NIIT, AMT, and credits (EITC, CTC, etc.) are not included. Verify all figures at IRS.gov before filing.

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HOW THIS IS CALCULATED

This tool runs entirely in your browser — no data is sent to any server. All formulas use standard financial math. Verify the methodology or inspect the source code in your browser's dev tools.