US Federal Tax Tracker 2026
Estimate your 2026 Federal liability based on current IRS inflation-adjusted brackets for the American fiscal year.
Estimated Federal Tax
$0
Effective Tax Rate: 0%
| Rate | Income Range (Single) |
|---|---|
| 10% | $0 – $11,925 |
| 12% | $11,926 – $48,475 |
| 22% | $48,476 – $103,350 |
| 24% | $103,351 – $197,300 |
| 32% | $197,301 – $250,525 |
| 35% | $250,526 – $626,350 |
| 37% | Over $626,350 |
*Based on estimated 2026 IRS adjustments for Single filers. Does not include standard deduction or state taxes.
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Understanding US Progressive Taxation
The US Federal income tax system is progressive, meaning as your income rises, you pay a higher percentage on the additional dollars earned. It's a common misconception that moving into a higher bracket means your total income is taxed at that rate. In reality, only the portion of income within that specific bracket is taxed at the higher percentage.
2026 Inflation Adjustments
Each year, the IRS adjusts tax brackets to account for inflation, a process known as "bracket creep" prevention. For 2026, the brackets have been widened to ensure that American taxpayers aren't pushed into higher rates purely due to inflationary wage growth.
Standard Deduction 2026 (Projected)
Most Americans do not itemize. Instead, they take the Standard Deduction, which reduces taxable income directly. For 2026, we estimate the following adjusted limits:
| Filing Status | Est. Deduction |
|---|---|
| Single | $15,000 |
| Married Filing Jointly | $30,000 |
| Head of Household | $22,500 |
Key Tax Credits to Know
Unlike deductions (which lower income), credits lower your tax bill dollar-for-dollar. Major US credits include:
- Child Tax Credit (CTC): Up to $2,000 per qualifying child.
- Earned Income Tax Credit (EITC): A refundable credit for low-to-moderate working adjusters.
Standard Deduction vs. Itemized
You should only itemize (Schedule A) if your total qualified expenses—such as mortgage interest, state taxes (SALT), and charitable donations—exceed your standard deduction. With the higher limits in 2026, fewer and fewer Americans need to itemize.