Tax Bracket Calculator 2025-2026 – Federal Income Tax Rates
Find your 2025 and 2026 federal tax bracket. See the new IRS income limits for Single and Married filers. Calculate your effective tax rate.
Tax Bracket Calculator 2025-2026 – Federal Income Tax Rates
Introduction
The IRS adjusts tax brackets annually for inflation. Knowing your Marginal Tax Rate helps you plan deductions and estimate your refund.
KEY: Marginal vs. Effective Tax Rate
- Marginal Rate: The tax rate on your last dollar earned.
- Effective Rate: The actual percentage of your total income you pay (usually much lower).
Example: If you are in the 22% bracket, you don't pay 22% on everything. You pay 10% on the first chunk, 12% on the next, and only 22% on the overflow.
2025 Federal Tax Brackets (Due April 2026)
Single Filers
| Tax Rate | Taxable Income Range |
|---|---|
| 10% | /bin/zsh to ,925 |
| 12% | ,926 to ,475 |
| 22% | ,476 to ,350 |
| 24% | ,351 to ,300 |
| 32% | ,301 to ,525 |
| 35% | ,526 to ,350 |
| 37% | Over ,350 |
Married Filing Jointly
| Tax Rate | Taxable Income Range |
|---|---|
| 10% | /bin/zsh to ,850 |
| 12% | ,851 to ,950 |
| 22% | ,951 to ,700 |
| 24% | ,701 to ,600 |
| 32% | ,601 to ,050 |
| 35% | ,051 to ,600 |
| 37% | Over ,600 |
Standard Deduction (2025)
Before calculating tax, subtract the Standard Deduction from your income to find your Taxable Income.
- Single: ,000
- Married Filing Jointly: ,000
- Head of Household: ,500
How to Lower Your Tax Bracket
- Contribute to 401(k) / Traditional IRA: Lowers taxable income dollar-for-dollar.
- HSA Contributions: Tax-deductible health savings.
- Itemize Deductions: If your mortgage interest, state taxes, and charity exceed the Standard Deduction.
FAQ
Q: Did tax rates change in 2025? A: The rates (10%, 12%, etc.) remained the same, but the income limits increased by about 2.8% to account for inflation. This allows you to earn slightly more before hitting a higher bracket.
Q: What is the Head of Household bracket? A: It is wider than Single but narrower than Married. You generally qualify if you are unmarried but pay more than half the cost of maintaining a home for a dependent.