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 - $11,925 | $0 - $23,850 | $0 - $17,000 |
| 12% | $11,926 - $48,475 | $23,851 - $96,950 | $17,001 - $64,850 |
| 22% | $48,476 - $103,350 | $96,951 - $206,700 | $64,851 - $103,350 |
| 24% | $103,351 - $197,300 | $206,701 - $394,600 | $103,351 - $197,300 |
| 32% | $197,301 - $250,525 | $394,601 - $501,050 | $197,301 - $250,500 |
| 35% | $250,526 - $626,350 | $501,051 - $751,600 | $250,501 - $626,350 |
| 37% | Over $626,350 | Over $751,600 | Over $626,350 |
| Filing Status | Standard Deduction | Over 65 Additional |
|---|---|---|
| Single | $15,000 | $16,950 |
| Married Filing Jointly | $30,000 | $31,500 (one) / $33,000 (both) |
| Head of Household | $22,500 | $24,450 |
| Rate | Single | Married Filing Jointly |
|---|---|---|
| 0% | $0 - $48,350 | $0 - $96,700 |
| 15% | $48,351 - $533,400 | $96,701 - $600,050 |
| 20% | Over $533,400 | Over $600,050 |
| Item | Amount |
|---|---|
| Social Security Wage Base | $176,100 |
| Medicare Tax Rate | 1.45% (+ 0.9% over $200K) |
| Social Security Tax Rate | 6.2% |
| 401k Contribution Limit | $23,500 |
| 401k Catch-Up (50+) | $7,500 |
| IRA Contribution Limit | $7,000 |
| IRA Catch-Up (50+) | $1,000 |
| HSA Individual Limit | $4,300 |
| HSA Family Limit | $8,550 |
| Gift Tax Exclusion | $19,000 |
| Estate Tax Exemption | $13.99 million |
| Child Tax Credit | $2,000 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 $15,000 for single filers, $30,000 for married filing jointly, and $22,500 for head of household. Additional deductions apply for those over 65.
The 2026 401k contribution limit is $23,500, with an additional $7,500 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.