Making Sense of Tax Rates Source: Internal Revenue Service, 2025 2026 Tax Tables Tax rate 10% Up to $12,400 Up to $24,800 12% Over $12,400 up to $50,400 Over $24,800 up to $100,800 22% Over $50,400 up to $105,700 Over $100,800 up to $211,400 24% Over $105,700 up to $201,775 Over $211,400 up to $403,550 32% Over $201,775 up to $256,225 Over $403,550 up to $512,450 35% Over $256,225 up to $640,600 Over $512,450 up to $768,700 37% Over $640,600 Over $768,700 Joint filers Single filers Income tax brackets and income thresholds Whether you are finalizing a yearly tax return or making key financial decisions, you might consider the difference between marginal and effective tax rates. The United States has a progressive tax system, whichmeans that tax rates increase as household income rises (see below). For example, if a married couple files jointly and has a taxable income of $110,000 in 2026 (after applicable deductions and exemptions), they fall into the 22% tax bracket. However, they will not pay this rate on all of their income, only on the amount over $100,800. In this case, 22% is their marginal tax rate or top tax rate.
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