Seven brackets from 10% to 37%. A single filer on $60,000 sits in the 12% bracket but pays an effective 8.367%.
Reference notes for the 2026 federal tax year and 2025 state schedules, computed from published rates rather than copied from another site.
2026 rates, single filer, charged in slices on income above the $16,100 standard deduction:
| Rate | Taxable income |
|---|---|
| 10% | $0 to $12,400 |
| 12% | $12,400 to $50,400 |
| 22% | $50,400 to $105,700 |
| 24% | $105,700 to $201,775 |
| 32% | $201,775 to $256,225 |
| 35% | $256,225 to $640,600 |
| 37% | $640,600 and above |
Being "in the 22% bracket" means your next dollar is taxed at 22%. Every dollar below the threshold is still taxed at its own lower rate, so a raise never leaves you worse off.
Standard deductions: $16,100 single, $32,200 married filing jointly, $24,150 head of household.
Federal figures only, and they are 2026 while most state schedules on this site are 2025 — the IRS publishes a year ahead of the states. Capital gains use a separate rate schedule entirely and are not in this table.
The two rates people confuse, on a single filer in Texas:
| Salary | Federal marginal | Effective, all taxes | Take-home |
|---|---|---|---|
| $64,000 | 12% | 16.244% | $53,604.00 |
| $84,000 | 22% | 19.138% | $67,924.00 |
| $114,000 | 22% | 21.904% | $89,029.00 |
| $174,000 | 24% | 25.175% | $130,195.00 |
Marginal tells you what the next dollar costs. Effective tells you what you live on. They are never the same number.
Single filer, Texas, which levies no state income tax:
| Salary | Total tax | Take-home a year | Take-home a month |
|---|---|---|---|
| $35,000 after tax | $4,697.50 | $30,302.50 | $2,525.21 |
| $55,000 after tax | $8,627.50 | $46,372.50 | $3,864.38 |
| $80,000 after tax | $14,890.00 | $65,110.00 | $5,425.83 |
| $110,000 after tax | $23,785.00 | $86,215.00 | $7,184.58 |
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Related: Standard Deduction 2026 · FICA Tax Calculator · Effective Tax Rate Calculator · Filing Status
These numbers come out of the same engine the site runs on. Federal rates are 2026, from the IRS; state schedules are 2025, because the IRS publishes a year ahead of the states, and both years are named rather than blended.
The whole rate table is open data: rates.json, no key and no rate limit, indexed at dev-lab-x/us-tax-rates-json. Everything ever found wrong is published with before-and-after figures on the corrections page.
If a figure disagrees with your payslip, say so in an issue — the payslip is the authority.
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