Marginal-rate decision tool
What Tax Bracket Am I In?
Find the federal rate on your next dollar of taxable income, then see how much room remains before the next bracket.
Marginal tax bracket
22%2026 federal income tax
Taxable income
$83,900Estimated federal tax
$13,17013.2% effective rate
Room before next bracket
$21,800Next marginal rate: 24%
Tax bracket FAQs
Does my top tax bracket apply to all my income?
No. Federal income tax is progressive. Each rate applies only to taxable income inside that bracket, so moving into a higher bracket never makes all earlier dollars subject to the higher rate.
Is my bracket based on gross income or taxable income?
Your bracket is based on taxable income after adjustments and either the standard deduction or itemized deductions. This finder subtracts entered above-the-line deductions and the standard deduction.
What is the difference between marginal and effective tax rate?
The marginal rate is the rate on your last dollar of taxable income. The effective rate is total federal income tax divided by income, so it is normally lower.
Sources
Related Calculators
US Tax Brackets Reference
2025 & 2026 federal income tax brackets by filing status with marginal rates and standard deductions
Federal Income Tax Calculator
10–37% brackets, $15,750 standard deduction, progressive calculation
Tax Burden by Income
Effective tax rate, marginal rate, cumulative federal + state tax