2026 federal income tax brackets and rates for all filing statuses. Single, married filing jointly, head of household. Includes standard deduction and capital gains rates.
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| Tax Rate | Single | Married Filing Jointly | Head of Household |
|---|---|---|---|
| 10% | $0 - $12,400 | $0 - $24,800 | $0 - $17,700 |
| 12% | $12,401 - $50,400 | $24,801 - $100,800 | $17,701 - $67,450 |
| 22% | $50,401 - $105,700 | $100,801 - $211,400 | $67,451 - $105,700 |
| 24% | $105,701 - $201,775 | $211,401 - $403,550 | $105,701 - $201,775 |
| 32% | $201,776 - $256,225 | $403,551 - $512,450 | $201,776 - $256,200 |
| 35% | $256,226 - $640,600 | $512,451 - $768,700 | $256,201 - $640,600 |
| 37% | Over $640,600 | Over $768,700 | Over $640,600 |
| Filing Status | Standard Deduction | Over 65 Additional |
|---|---|---|
| Single | $16,100 | $18,150 |
| Married Filing Jointly | $32,200 | $33,850 (one) / $35,500 (both) |
| Head of Household | $24,150 | $26,200 |
| Rate | Single | Married Filing Jointly |
|---|---|---|
| 0% | $0 - $49,450 | $0 - $98,900 |
| 15% | $49,451 - $545,500 | $98,901 - $613,700 |
| 20% | Over $545,500 | Over $613,700 |
| Item | Amount |
|---|---|
| Social Security Wage Base | $184,500 |
| Medicare Tax Rate | 1.45% (+ 0.9% over $200K) |
| Social Security Tax Rate | 6.2% |
| 401k Contribution Limit | $24,500 |
| 401k Catch-Up (50+) | $8,000 |
| IRA Contribution Limit | $7,500 |
| IRA Catch-Up (50+) | $1,100 |
| HSA Individual Limit | $4,400 |
| HSA Family Limit | $8,750 |
| Gift Tax Exclusion | $19,000 |
| Estate Tax Exemption | $15 million |
| Child Tax Credit | $2,200 per child |
| EITC Max (3+ children) | $7,830 |
The 2026 tax brackets are: 10%, 12%, 22%, 24%, 32%, 35%, and 37%. These are marginal rates, meaning only the income within each bracket is taxed at that rate.
The 2026 standard deduction is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household. Additional deductions apply for those over 65.
The 2026 401k contribution limit is $24,500, with an additional $8,000 catch-up contribution for those 50 and older.
Long-term capital gains (held over 1 year) are taxed at 0%, 15%, or 20% depending on income. Short-term gains are taxed as ordinary income.