{
  "id": "tax-bracket",
  "version": "6680953a3820",
  "status": "published",
  "name": "Tax Bracket Calculator",
  "question": "What tax bracket am I in?",
  "summary": "Finds your 2026 federal tax bracket from taxable income and filing status, with the tax, how much income falls in each bracket, and how far the next bracket is.",
  "category": "finance",
  "subcategory": "tax-and-pay",
  "url": "https://www.acalculator.org/finance/tax-bracket-calculator",
  "markdown": "https://www.acalculator.org/finance/tax-bracket-calculator.md",
  "kind": "function",
  "method": "Bracket = the rate of the highest bracket whose floor is at or below taxable income. Tax = Σ rate × income inside each bracket (the rate schedule); below $100,000 the Tax Table applies the schedule to the middle of the $50 row and rounds to whole dollars.",
  "assumptions": [
    "An estimate for tax year 2026 (IRS Rev. Proc. 2025-32), not tax advice.",
    "All taxable income is ordinary income: qualified dividends and long-term gains, taxed at 0%, 15%, or 20%, are not split out (use the capital gains tax calculator).",
    "Taxable income is after deductions; credits, self-employment tax, the alternative minimum tax, and state tax are not included."
  ],
  "inputs": {
    "$schema": "https://json-schema.org/draft/2020-12/schema",
    "type": "object",
    "properties": {
      "status": {
        "title": "Filing status",
        "description": "Your federal filing status for the year.",
        "type": "string",
        "enum": [
          "single",
          "mfj",
          "mfs",
          "hoh",
          "qss"
        ]
      },
      "income": {
        "title": "Taxable income",
        "description": "Taxable income on Form 1040 line 15: income after the standard or itemized deduction.",
        "type": "number",
        "x-unit": "USD",
        "minimum": 0,
        "maximum": 1000000000
      },
      "year": {
        "title": "Tax year",
        "description": "The tax year. A year with no published brackets uses the latest year this site has.",
        "type": "integer",
        "minimum": 2026,
        "maximum": 2035
      }
    }
  },
  "outputs": {
    "marginalRate": {
      "label": "Your tax bracket",
      "description": "The rate on the next dollar of taxable income (the marginal rate).",
      "format": "percent"
    },
    "tax": {
      "label": "Tax",
      "description": "Tax as Form 1040 figures it with no capital gains: the Tax Table below $100,000, the rate schedule above.",
      "format": "money"
    },
    "scheduleTax": {
      "label": "Tax by the rate schedule",
      "description": "The exact rate schedule on the taxable income, without the Tax Table rows.",
      "format": "money"
    },
    "effectiveRate": {
      "label": "Average rate",
      "description": "The tax as a percent of taxable income.",
      "format": "percent"
    },
    "nextBracketAt": {
      "label": "Next bracket starts at",
      "description": "The taxable income where the next higher rate starts, when there is one.",
      "format": "money"
    },
    "roomInBracket": {
      "label": "Room left in this bracket",
      "description": "How much more taxable income is taxed at the current rate before the next bracket.",
      "format": "money"
    },
    "at10": {
      "label": "In the 10% bracket",
      "description": "Taxable income that falls in the 10% bracket.",
      "format": "money"
    },
    "at12": {
      "label": "In the 12% bracket",
      "description": "Taxable income that falls in the 12% bracket.",
      "format": "money"
    },
    "at22": {
      "label": "In the 22% bracket",
      "description": "Taxable income that falls in the 22% bracket.",
      "format": "money"
    },
    "at24": {
      "label": "In the 24% bracket",
      "description": "Taxable income that falls in the 24% bracket.",
      "format": "money"
    },
    "at32": {
      "label": "In the 32% bracket",
      "description": "Taxable income that falls in the 32% bracket.",
      "format": "money"
    },
    "at35": {
      "label": "In the 35% bracket",
      "description": "Taxable income that falls in the 35% bracket.",
      "format": "money"
    },
    "at37": {
      "label": "In the 37% bracket",
      "description": "Taxable income that falls in the 37% bracket.",
      "format": "money"
    },
    "ratesYear": {
      "label": "Brackets of tax year",
      "description": "The tax year whose brackets were used.",
      "format": "integer"
    },
    "notice": {
      "label": "Note",
      "description": "A note when the brackets of another year were used.",
      "format": "text"
    }
  },
  "defaultAnswer": {
    "inputs": {
      "status": "single",
      "income": 60000,
      "year": 2026
    },
    "outputs": {
      "marginalRate": 22,
      "tax": 7918,
      "scheduleTax": 7912,
      "effectiveRate": 13.196666666666667,
      "nextBracketAt": 105700,
      "roomInBracket": 45700,
      "at10": 12400,
      "at12": 38000,
      "at22": 9600,
      "at24": 0,
      "at32": 0,
      "at35": 0,
      "at37": 0,
      "ratesYear": 2026
    },
    "text": "With $60,000.00 of taxable income, filing Single, you are in the 22% bracket and owe $7,918.00."
  },
  "examples": [
    {
      "given": {
        "status": "single",
        "income": 58900
      },
      "expect": {
        "marginalRate": 22,
        "tax": 7676,
        "scheduleTax": 7670,
        "nextBracketAt": 105700,
        "roomInBracket": 46800,
        "at10": 12400,
        "at12": 38000,
        "at22": 8500
      },
      "source": "Rev. Proc. 2025-32 section 4.01 tables; hand calculation in content.mdx; Python 3 check in docs/progress/WP-82/fed.py: Tax Table row middle $58,925 gives $7,675.50, rounded to $7,676"
    },
    {
      "given": {
        "status": "mfj",
        "income": 117800
      },
      "expect": {
        "marginalRate": 22,
        "tax": 15340,
        "nextBracketAt": 211400,
        "roomInBracket": 93600
      },
      "source": "Rev. Proc. 2025-32 section 4.01 tables; hand calculation in content.mdx; Python 3 check in docs/progress/WP-82/fed.py: 2,480 + 9,120 + 3,740"
    },
    {
      "given": {
        "status": "single",
        "income": 483900
      },
      "expect": {
        "marginalRate": 35,
        "tax": 138134.25,
        "nextBracketAt": 640600,
        "roomInBracket": 156700,
        "at35": 227675
      },
      "source": "Rev. Proc. 2025-32 section 4.01 tables; hand calculation in content.mdx; Python 3 check in docs/progress/WP-82/fed.py: 1,240 + 4,560 + 12,166 + 23,058 + 17,424 + 79,686.25"
    },
    {
      "given": {
        "status": "hoh",
        "income": 67450
      },
      "expect": {
        "marginalRate": 22,
        "scheduleTax": 7740,
        "nextBracketAt": 105700
      },
      "source": "Rev. Proc. 2025-32 section 4.01 tables; hand calculation in content.mdx; Python 3 check in docs/progress/WP-82/fed.py: the floor of a bracket is taxed at the new rate from the next dollar; 10% × 17,700 + 12% × 49,750"
    }
  ],
  "sources": [
    "IRS, Rev. Proc. 2025-32 (Internal Revenue Bulletin 2025-45), section 4.01, Tables 1 to 4: 2026 tax rate tables. https://www.irs.gov/irb/2025-45_IRB",
    "IRS, 2025 Instructions for Form 1040: Tax Table (rows of $50) and Tax Computation Worksheet. https://www.irs.gov/instructions/i1040gi"
  ],
  "related": [
    "income-tax",
    "effective-tax-rate",
    "taxable-income",
    "capital-gains-tax"
  ],
  "changelog": []
}