Last updated: March 2026
Frequently Asked Questions
How do federal tax brackets work?
The US federal income tax is progressive. Income is sliced into brackets, and each slice is taxed at that bracket's rate. A single filer earning $85,000 pays 10% on the first ~$12k, 12% on income from $12k-$50k, and 22% only on income above $50k.
What's my marginal tax rate?
Your marginal rate is the rate applied to the next dollar you earn. This tool displays it prominently so you can understand what a raise, bonus, or extra freelance work will actually net you.
What are the 2026 federal tax brackets?
Single filers: 10% to $12,300, 12% to $50,000, 22% to $106,600, 24% to $203,500, 32% to $258,400, 35% to $645,900, 37% above. MFJ thresholds are approximately double.
Does a raise really never cost me money?
Correct. Progressive brackets only tax marginal dollars at the higher rate. Every extra dollar you earn puts more in your pocket — the 'I'll lose money with a raise' concern is a persistent myth.