2026 Federal Income Tax Brackets (Single Filers)
The US uses a progressive marginal tax system — you only pay each rate on the income within that bracket, not your entire income.
| Taxable Income | Tax Rate |
|---|---|
| $0 - $11,600 | 10% |
| $11,601 - $47,150 | 12% |
| $47,151 - $100,525 | 22% |
| $100,526 - $191,950 | 24% |
| $191,951 - $243,725 | 32% |
| $243,726 - $609,350 | 35% |
| Over $609,350 | 37% |
Standard Deduction First
Before any brackets apply, you subtract the standard deduction:
- Single: $14,600
- Married Filing Jointly: $29,200
- Head of Household: $21,900
FICA: The Tax Everyone Forgets
On top of income tax, employees pay:
- 6.2% Social Security on wages up to $168,600
- 1.45% Medicare on all wages
Action Plan: Know Your Real Rate
Use our US Federal & State Tax Bracket Calculator to see your actual effective rate, net take-home, and the impact of pre-tax 401(k) contributions.
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