2026 federal income tax brackets
| Rate | Single | Married filing jointly |
|---|---|---|
| 10% | up to $12,400 | up to $24,800 |
| 12% | $12,401 – $50,400 | $24,801 – $100,800 |
| 22% | $50,401 – $105,700 | $100,801 – $211,400 |
| 24% | $105,701 – $201,775 | $211,401 – $403,550 |
| 32% | $201,776 – $256,225 | $403,551 – $512,450 |
| 35% | $256,226 – $640,600 | $512,451 – $768,700 |
| 37% | over $640,600 | over $768,700 |
These rates apply to taxable income: pay minus pre-tax deductions and the standard deduction. Only the part of your income inside each band is taxed at that band's rate, so moving into a higher bracket never lowers your take-home pay.
Payroll taxes
- Social Security: 6.2% of pay up to $184,500 in 2026.
- Medicare: 1.45% of all pay, plus 0.9% on pay over $200,000.
- 401(k) contributions lower income tax but not Social Security and Medicare; pre-tax health insurance lowers both.
Compare your pay per hour with the salary to hourly calculator.