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Federal income tax calculator and 2026 tax brackets

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

See your federal income tax for 2026, your marginal and effective rate, and how much of your income falls in each bracket.

2026 federal brackets and standard deductions announced by the IRS. Excludes state tax, Social Security, Medicare, credits and other income types. Estimate.

Common questions

What is the 2026 standard deduction?

$16,100 single, $32,200 married filing jointly.

What is the difference between marginal and effective rate?

Marginal is the rate on your last dollar. Effective is total tax divided by income.