2026 Federal Tax Brackets — IRS Official Rates Under the OBBB

On October 9, 2025, the IRS released IR-2025-103, announcing tax year 2026 inflation adjustments including amendments from the One, Big, Beautiful Bill (OBBB). These rates apply to income earned in 2026 (returns filed in 2027).

2026 Brackets for Single Filers

• 10% — $0 to $12,400
• 12% — $12,401 to $50,400
• 22% — $50,401 to $105,700
• 24% — $105,701 to $201,775
• 32% — $201,776 to $256,225
• 35% — $256,226 to $640,600
• 37% — $640,601+

Married Filing Jointly

• 10% — $0 to $24,800
• 12% — $24,801 to $100,800
• 22% — $100,801 to $211,400
• 24% — $211,401 to $403,550
• 32% — $403,551 to $512,450
• 35% — $512,451 to $768,700
• 37% — $768,701+

Standard Deduction Increase (OBBB)

The One, Big, Beautiful Bill significantly raised the standard deduction for 2026:

• $16,100 — Single / Married Filing Separately
• $32,200 — Married Filing Jointly / Surviving Spouse
• $24,150 — Head of Household

What This Means for You

Compared to 2025, bracket thresholds have shifted upward and the standard deduction increased. If your income stayed the same, you'll pay slightly less in federal income tax. The higher standard deduction under the OBBB means more of your income is tax-free before brackets even apply.

Calculate Your 2026 Taxes

Use our 2026 Tax Calculator to see your exact federal and state tax estimate, effective rate, and take-home pay breakdown using these official IRS brackets.

Source: IRS IR-2025-103, Revenue Procedure 2025-32. This article is for informational purposes only and does not constitute tax advice.