There are seven rates: 10%, 12%, 22%, 24%, 32%, 35% and 37%. The income ranges for each depend on your filing status and are adjusted for inflation every year.
Does moving into a higher bracket mean all my income is taxed more?
No. Only the dollars inside the higher bracket are taxed at the higher rate. Everything below is still taxed at the lower rates, so a raise never lowers your take-home pay because of brackets.
What is the 2026 standard deduction?
$16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household. You subtract it from income before applying the brackets.
When do these brackets apply?
They apply to income earned from January 1 to December 31, 2026, which you report on the return filed in early 2027. Paycheck withholding during 2026 already uses them.