MundoKitFederal Tax Bracket Calculator 2026 vs 2025
Enter adjusted ordinary income and filing status. Compare 2025 and 2026 rate-schedule estimates with basic standard or custom deductions.
Results
- 2026 ordinary-income tax before credits
- $13,170.00
- 2025 tax on the same income
- $13,449.00
- 2026 minus 2025
- -$279.00
- 2026 rate on next taxable dollar
- 22%
- 2026 effective rate on input income
- 13.17%
| Taxable band | Rate | Income in band | Tax |
|---|---|---|---|
| $0.00 – $12,400.00 | 10% | $12,400.00 | $1,240.00 |
| $12,400.00 – $50,400.00 | 12% | $38,000.00 | $4,560.00 |
| $50,400.00 – $105,700.00 | 22% | $33,500.00 | $7,370.00 |
| $105,700.00 – $201,775.00 | 24% | $0.00 | $0.00 |
| $201,775.00 – $256,225.00 | 32% | $0.00 | $0.00 |
| $256,225.00 – $640,600.00 | 35% | $0.00 | $0.00 |
| $640,600.00 – and above | 37% | $0.00 | $0.00 |
- Basic standard deductions assume eligibility and no dependent limitation. For additional deductions use the custom option.
- Excludes credits, capital-gains rates, AMT, NIIT, payroll and self-employment taxes. Uses rate schedules, not IRS tax-table rounding.
Last checked 2026-11-14. Rules change, sometimes at short notice. We list the date we last checked each official source; confirm with the official government source before you travel, buy or file. This is general information, not legal or immigration advice.
This is a general estimate for information only, not tax, legal or financial advice. Real rules have more conditions than a calculator can show, so check the official source below or a qualified professional for your situation.
How it works
Subtract the selected deduction from adjusted ordinary income, flooring taxable income at zero. Apply each IRS rate only to income inside its band, then add the slices. The comparison keeps income and filing status fixed. Standard deductions use the revised 2025 amounts and the published 2026 amounts.
taxable income = max(0, adjusted ordinary income − deduction) tax = sum(income in each band × band rate) effective rate = tax ÷ input income
The basic deductions for 2025 / 2026 are $15,750 / $16,100 for single or separate filers, $31,500 / $32,200 for joint filers and qualifying surviving spouses, and $23,625 / $24,150 for heads of household. Additional age/blind deductions and dependent limitations are not automatic; enter an eligible total using custom deductions.
The next-dollar rate moves to the next band at an exact boundary. Zero taxable income displays 10%, the rate on the next taxable dollar. An additional dollar of input income may still be sheltered by an unused deduction. This is a rate-schedule estimate before credits, not an IRS tax-table result. Capital gains, qualified dividends, AMT, NIIT, payroll taxes, self-employment tax and deduction eligibility calculations are excluded.
Rounding: no intermediate rounding; displayed money is rounded to two decimal places.
Worked examples
Single, $100,000 income
Using the 2026 basic deduction, taxable income is $83,900. Tax is $1,240 + $4,560 + $7,370 = $13,170. The revised 2025 estimate is $13,449, so the difference is −$279.
Joint, $100,000 income
The 2026 deduction leaves $67,800 taxable. Tax is $2,480 + ($67,800 − $24,800) × 12% = $7,640. The 2025 estimate is $7,743.
Frequently asked questions
Does entering the 22% bracket tax all income at 22%?
Is gross salary the right input?
Are credits and the new special deductions included?
Can married filing separately always use the basic deduction?
Why does this differ from my tax return?
Sources
- IRS — Rev. Proc. 2025-32, 2026 brackets and revised deductions (checked 2026-11-14)
- IRS — Rev. Proc. 2024-40, 2025 brackets (checked 2026-11-14)
Last reviewed 2026-11-14; next review due by 2027-01-15. The method is written out above so you can check our math.