The IRS adjusts federal income tax brackets annually for inflation. Here are the 2026 tax brackets and exactly how they work.
| Taxable Income | Tax Rate | Tax on This Band |
|---|---|---|
| $0 – $11,925 | 10% | Up to $1,193 |
| $11,926 – $48,475 | 12% | Up to $4,386 |
| $48,476 – $103,350 | 22% | Up to $12,081 |
| $103,351 – $197,300 | 24% | Up to $22,548 |
| $197,301 – $250,525 | 32% | Up to $17,031 |
| $250,526 – $626,350 | 35% | Up to $131,512 |
| Over $626,350 | 37% | 37% on all above |
| Taxable Income | Tax Rate |
|---|---|
| $0 – $23,850 | 10% |
| $23,851 – $96,950 | 12% |
| $96,951 – $206,700 | 22% |
| $206,701 – $394,600 | 24% |
| $394,601 – $501,050 | 32% |
| $501,051 – $751,600 | 35% |
| Over $751,600 | 37% |
Being in the 22% bracket does NOT mean you pay 22% on all income. You pay 10% on the first $11,925, 12% on the next band, and 22% only on income in the 22% band.
Standard deduction 2026: $15,000. Taxable income: $60,000.
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