🇺🇸 2026 Federal Income Tax Brackets (Marginal Rates)

For tax year 2026, the marginal tax rates remain the same as recent years — 10%, 12%, 22%, 24%, 32%, 35%, and 37% — but the income thresholds for each bracket are adjusted upward for inflation. IRS+1

Single Filers

• 10%: $0 – $12,400

• 12%: $12,401 – $50,400

• 22%: $50,401 – $105,700

• 24%: $105,701 – $201,775

• 32%: $201,776 – $256,225

• 35%: $256,226 – $640,600

• 37%: Over $640,600 IRS+1

Married Filing Jointly

• 10%: $0 – $24,800

• 12%: $24,801 – $100,800

• 22%: $100,801 – $211,400

• 24%: $211,401 – $403,550

• 32%: $403,551 – $512,450

• 35%: $512,451 – $768,700

• 37%: Over $768,700 IRS+1

(Other filing statuses such as Married Filing Separately and Head of Household use similar adjusted ranges.)ameriprise.com

📌 How It Works

• The U.S. uses a progressive tax system: you pay different rates on slices of income, not one flat rate on your entire income. IRS

• The brackets are indexed for inflation, meaning many thresholds increase each year so taxpayers aren’t pushed into higher rates purely because of inflation. Yahoo Finance

🧾 Standard Deduction (2026)

For tax year 2026 (returns filed in 2027), the standard deduction amounts are also higher:

• Single / Married Filing Separately: $16,100

• Married Filing Jointly: $32,200

• Head of Household: $24,150 Colorado PERA

These increases help reduce your taxable income before applying brackets.

🧠 Why It Matters

• Even if tax rates stay the same, bracket threshold increases can mean:

  • Fewer people pushed into higher brackets

  • Smaller tax liabilities at the same income level

  • Adjusted paycheck withholding by employers to reflect new brackets