2026 Tax Brackets & Rates
The federal income tax rates, brackets, and standard deductions for the 2026 tax year, in plain numbers.
Your 2026 tax rates, explained
For the 2026 tax year, the federal government uses seven income tax rates: 10%, 12%, 22%, 24%, 32%, 35%, and 37%. The rates themselves did not change, because the One Big Beautiful Bill Act, signed in July 2025, made the current structure permanent. What did change are the income thresholds and the standard deduction, which the IRS adjusted for inflation. Because the 2026 tax brackets are marginal, you do not pay your top rate on all of your income. Instead, each portion of your income is taxed at the rate for its bracket.
2026 standard deduction
Taxpayers age 65 or older receive an additional standard deduction ($2,050 single, $1,650 per spouse if married). A separate temporary senior deduction of up to $6,000 may also apply through 2028.
2026 federal income tax brackets
Find your filing status below. Remember, only the income within each range is taxed at that bracket’s rate.
Single
Married Filing Jointly
Head of Household
Key 2026 updates
- The seven rates (10% to 37%) were made permanent by the One Big Beautiful Bill Act in July 2025.
- Brackets and the standard deduction rose about 2.7% for inflation.
- The state and local tax (SALT) deduction cap increased to $40,000, with phaseouts for high earners.
- A new senior deduction of up to $6,000 is available for taxpayers 65 and older through 2028.
These figures are for the 2026 tax year and are provided for general information, not as tax advice. For the complete official tables, including long-term capital gains rates and retirement contribution limits, see the IRS. Rates change every year, so please confirm current figures with your CPA before making decisions.
2026 tax rate FAQs
No. The seven rates (10% to 37%) stayed the same and were made permanent by the 2025 tax law. Only the income thresholds and the standard deduction were adjusted for inflation.
For 2026, the standard deduction is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for heads of household, with additional amounts for taxpayers 65 and older.
They apply to income earned during the 2026 calendar year, which you will report on the tax return you file in early 2027.
Your income is taxed in layers. Each portion is taxed at the rate for its bracket, so only the income above a given threshold is taxed at the higher rate, not your entire income.
Related services
Questions about how these rates affect you?
Our Mesa CPA team can help you plan around the 2026 tax brackets. Reach out for a free consultation.