Marginal Tax Rate Calculator

Find your 2026 federal marginal and effective income tax rates, see how your taxable income spreads across the brackets, and how much more you can earn before the next rate applies. Next, open the income tax calculator online and enter your own details to see an estimate in seconds.

Enter your income

2026 federal tax brackets

Filing status

Gross income

Wages, interest, business profit and other income taxed at ordinary rates.

Pre-tax contributions and adjustments

401(k), HSA, deductible IRA and similar amounts that lower your taxable income.

Deduction

I am 65 or older I am blind

Extra income to test

A raise, bonus or side income. Shows how much of it federal income tax would take.

Your 2026 federal tax rates

Marginal tax rate

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Effective tax rate

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Federal income tax

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Room left in your bracket–

Tax on the extra income–

Taxable income–

Deduction used–

Average rate on taxable income–

The effective rate is federal income tax divided by gross income. Rates cover ordinary income only, before credits, and leave out Social Security, Medicare and state taxes. Qualified dividends and long-term capital gains have their own lower rates.

How your taxable income fills the brackets

Each rate applies only to the slice of income inside its bracket. The bracket holding your last dollar, shown in bold, is your marginal rate.

Rate	Taxable income in bracket	Your income taxed	Tax

Results are estimates for educational purposes and are not financial, tax or legal advice.