Marginal vs Effective Tax Rate Calculator
See the difference between your top tax rate and the share of income you actually pay.
–
Result
- Taxable income
- Federal income tax
- Marginal rate
- Effective rate
- By bracket
- Income left
- Work
Saved Calculations
Items you add are saved in this browser.
| Name | Calculation | Result | Remove |
|---|
How 2026 Federal Income Tax Is Calculated
Taxable income = gross income − pre-tax deductions − standard (or itemized) deduction
Tax = each slice of taxable income × its bracket rate, added up − credits
| Rate | Single | Married jointly | Head of household | Married separately |
|---|---|---|---|---|
| 10% | $0–$12,400 | $0–$24,800 | $0–$17,700 | $0–$12,400 |
| 12% | to $50,400 | to $100,800 | to $67,450 | to $50,400 |
| 22% | to $105,700 | to $211,400 | to $105,700 | to $105,700 |
| 24% | to $201,775 | to $403,550 | to $201,750 | to $201,775 |
| 32% | to $256,225 | to $512,450 | to $256,200 | to $256,225 |
| 35% | to $640,600 | to $768,700 | to $640,600 | to $384,350 |
| 37% | over $640,600 | over $768,700 | over $640,600 | over $384,350 |
2026 standard deduction: $16,100 single or married filing separately, $32,200 married filing jointly, $24,150 head of household (IRS Rev. Proc. 2025-32).
Worked Example
Tips
Only the income inside each bracket is taxed at that rate, so moving into a higher bracket never lowers your take-home pay. This estimate covers ordinary income only: it doesn’t include Social Security and Medicare, state tax, capital gains rates, the new 2026 deductions for tips, overtime, seniors or car loan interest, or the alternative minimum tax. Not tax advice.