Threshold tool

2026 Tax Bracket Finder

Most people asking which bracket they are in actually want to know the rate applied to their last dollar of taxable income. This finder answers that precisely, then goes one step further and reports how much income remains before the next higher rate begins.

Note the input is taxable income, not salary. Gross pay is reduced by the standard deduction or itemized deductions and by above-the-line adjustments first. If you only know your gross pay, use the federal income tax calculator instead, which handles that subtraction.

Official 2026 figures used here

How to read the result

The cumulative tax column is a useful sanity check: at a taxable income of exactly $50,400 a single filer owes $1,240 plus 12% of the $38,000 between $12,400 and $50,400, which totals $5,800. Every row below is built the same way, carrying forward all lower brackets.

Crossing into a higher bracket never reduces take-home pay on the whole income. Only the dollars above the threshold are taxed at the new rate. The room-to-next-bracket figure in the result panel makes this visible before you model a raise, a bonus or a Roth conversion.

Thresholds are indexed annually. The IRS raised the 2026 ceilings by roughly inflation, so income that sat just above a boundary in 2025 can fall back into the lower bracket in 2026 even with a modest pay increase.

Year-end planning is where this number earns its keep. A December bonus, a Roth conversion or the sale of an appreciated asset all land on the same taxable-income line, so knowing the distance to the next threshold tells you how much room remains before the marginal rate steps up. Two cautions apply. First, the bracket schedule here covers ordinary income; long-term capital gains and qualified dividends use a different rate table. Second, thresholds are applied to taxable income after deductions, so a raise of $5,000 does not necessarily push $5,000 into a higher bracket once the standard deduction and any pre-tax contributions are accounted for.

Questions people ask about this figure

Related calculators