Effective Tax Rate Calculator
Find your 2026 federal effective tax rate and marginal tax bracket from your income and filing status, including Social Security and Medicare.
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About the Effective Tax Rate Calculator
Your marginal tax rate is the rate on your last dollar of income, while your effective tax rate is your total tax divided by your income. Because U.S. income tax is progressive, the effective rate is always lower than the top bracket you reach. This calculator uses the 2026 federal brackets and standard deductions to show both, plus Social Security and Medicare.
How to use it
- Enter your gross annual income and choose your filing status.
- Enter pre-tax deductions such as 401(k) and HSA contributions, and itemized deductions if they exceed the standard deduction.
- Press Calculate tax rate to see your effective rate, marginal bracket and FICA taxes.
2026 federal tax brackets (single)
| Rate | Taxable income |
|---|---|
| 10% | Up 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% | Over $640,600 |
Marginal versus effective rate
A single filer with $95,000 of income and $6,000 in pre-tax contributions has taxable income of about $72,900 after the $16,100 standard deduction. Their marginal rate is 22%, but their effective federal rate is only about 11%.
Frequently asked questions
What is the difference between marginal and effective tax rate?
The marginal rate applies to your next dollar of income. The effective rate is total tax divided by total income and is lower because lower brackets apply to the first dollars.
How do I calculate my effective tax rate?
Divide your total federal income tax by your gross income. The calculator above does it after standard or itemized deductions.
Does the calculator include state taxes?
No. It covers federal income tax and FICA. Use a state paycheck calculator for state tax.
Are these the 2026 brackets?
Yes, the 2026 federal brackets and standard deductions as published by the IRS.
What deductions are included?
The standard deduction, or your itemized deductions if higher, plus the pre-tax contributions you enter.
Last reviewed: November 2026. Estimates only, not financial, tax or legal advice.