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Which federal band your income lands in
Find which federal bracket your last dollar falls in, see how your income splits across every band, and how much room is left before the next one.
Your numbers
Revenue Procedure 2025-32us-tax-2026-v1
Your federal bracket
22%On $83,900 of taxable income · $13,170 of federal income tax| Rate | Band of taxable income | Your income in it | Tax |
|---|---|---|---|
| 10% | $0 to $12,400 | $12,400 | $1,240 |
| 12% | $12,400 to $50,400 | $38,000 | $4,560 |
| 22% your bracket | $50,400 to $105,700 | $33,500 | $7,370 |
| 24% | $105,700 to $201,775 | $0 | $0 |
| 32% | $201,775 to $256,225 | $0 | $0 |
| 35% | $256,225 to $640,600 | $0 | $0 |
| 37% | Over $640,600 | $0 | $0 |
High confidenceBrackets and the standard deduction are transcribed from Revenue Procedure 2025-32; Federal income tax only (Social Security, Medicare, and state tax are not included); Credits, capital gains and itemized deductions are not modeled.
Method federal-tax-bracket-v1.0.0Data us-tax-2026-v1
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Guide
A bracket is a rate charged on a slice of your income, not on all of it. This page shows which slice you are in, what every band below it costs, and how much room is left before the next one starts.
The standard deduction comes off first and is taxed at nothing. What is left is cut into bands, and each band is charged at its own rate, with the lowest slice at the lowest rate, and so on upward.
Your bracket is the rate on the final slice. Someone with $100,000 of pay is in the 22% band, but the 22% applies only to the part of their taxable income above the threshold. Everything below is charged less, and the deduction is charged nothing.
This is the fear behind most bracket questions: that a raise pushes all of your income to a higher rate and leaves you worse off. It does not. Only the amount above the threshold takes the higher rate.
The room shown on this page is the practical version of that. It tells you how much more taxable income you can have before any of it is charged at the next rate, which is the number worth having when weighing overtime or a bonus.
People mean two different things by income and the two land in different brackets. Pay before deductions is what an offer letter says; taxable income is what line 15 of Form 1040 says, after the deduction has already come out.
The page asks which one you have rather than guessing, because guessing wrong moves the answer by a whole band for a lot of people.
The one your last dollar of taxable income falls in. Enter your income above and the band is shown, along with how much of your income sits in each of the bands below it.
If your figure lands exactly on a threshold you are in the lower band; the dollar at the edge is charged at the lower rate.
No. Only the income above the threshold is taxed at the higher rate. A raise always leaves you with more after tax, even when it crosses a band.
What can genuinely fall at a threshold is a credit or a benefit with an income cliff, but that is not the bracket doing it.
Because the bracket only applies to the top slice. The standard deduction is taxed at nothing and every lower band is charged at its own lower rate.
The band-by-band table on this page shows exactly where the difference comes from.
No. This page is federal income tax only, so the brackets shown are the federal ones. For the share of a whole salary that goes to tax across all of those, use the effective tax rate calculator.
If you are weighing extra work, the room left in your bracket is the number to look at, not the rate itself.
A traditional 401(k) contribution reduces taxable income, so it comes off at the top band first.
Filing jointly widens every band, which is why the same income can sit in a lower bracket on a joint return.
Federal income tax only, and ordinary income only. Long-term capital gains use a separate rate schedule.
Credits, the alternative minimum tax and itemised deductions are not modeled.
This is not tax advice and not a filed return.
Results are for information. They are not legal, tax, medical, or financial advice. How the math is maintained · Report a wrong figure.
Rounding, versioning, and omissions that sit beside the guide rather than repeating it.
Calculation receipt
This answer is built from published figures. Each one is named below, with the release it came from.
If a source above is unavailable or out of date: The page exists to show the published brackets. Without them there is no page.
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