2026 tax numbers at a glance
The official 2026 figures for federal income tax, deductions, retirement accounts, payroll taxes and credits, from IRS and Social Security Administration releases. They apply to income earned in 2026 and to the returns filed in 2027. Our calculators use exactly these numbers.
Key 2026 figures
| Item | 2026 |
|---|---|
| Federal income tax rates | 10%, 12%, 22%, 24%, 32%, 35%, 37% |
| Top rate starts at (single / joint) | $640,600 / $768,700 |
| Standard deduction (single) | $16,100 |
| Standard deduction (married filing jointly) | $32,200 |
| Standard deduction (head of household) | $24,150 |
| Extra deduction at 65+ or blind (single / married) | $2,050 / $1,650 |
| Senior deduction (65+) | Up to $6,000 per person |
| 0% capital gains rate up to (single / joint) | $49,450 / $98,900 |
| 401(k) contribution limit | $24,500 |
| 401(k) catch-up (50+ / 60–63) | $8,000 / $11,250 |
| IRA contribution limit (under 50 / 50+) | $7,500 / $8,600 |
| HSA limit (self-only / family) | $4,400 / $8,750 |
| Social Security wage base | $184,500 |
| Employee FICA rate | 7.65% (6.2% + 1.45%) |
| Child tax credit | $2,200 per child ($1,700 refundable) |
| Maximum earned income credit | $8,231 |
Detailed 2026 reference pages
- 2026 Federal Income Tax Brackets: The seven 2026 federal income tax rates (10%–37%) and bracket thresholds for every filing status.
- 2027 Tax Brackets and Standard Deduction (Projected): Projected 2027 federal tax brackets, standard deduction and capital gains breakpoints, updated to official figures when the IRS publishes them.
- 2026 Standard Deduction: Standard deduction amounts for 2026, plus the additional amounts for age 65+ and blindness, dependents and the senior deduction.
- 2026 Capital Gains Tax Rates: The 0%, 15% and 20% long-term capital gains brackets for 2026 and the 3.8% net investment income tax.
- 2026 401(k) and IRA Contribution Limits: 401(k), 403(b), 457, IRA and SIMPLE IRA contribution limits for 2026, including catch-ups and Roth IRA income limits.
- 2026 HSA Contribution Limits: HSA contribution limits for 2026 and the high-deductible health plan (HDHP) deductible and out-of-pocket limits.
- 2027 HSA Contribution Limits: Official 2027 HSA contribution limits and HDHP requirements (IRS Rev. Proc. 2026-24), compared with 2026, with per-paycheck amounts.
- 2026 Social Security and Medicare Tax (FICA): Social Security wage base, FICA rates, maximum Social Security tax, Additional Medicare Tax and self-employment tax for 2026.
- 2026 Child Tax Credit: Child tax credit amount, refundable portion, income phase-out and credit for other dependents for 2026.
- 2026 Earned Income Tax Credit (EITC): Maximum EITC, earned income amounts, phase-out ranges and income limits for 2026 by number of children.
- 2026 State Income Tax Rates: Top income tax rate, tax type, standard deduction and personal exemption in all 50 states and DC for 2026.
- 2026 Federal Poverty Guidelines (FPL): HHS poverty guidelines for 2026 by household size, with the percentage multiples programs use.
- 2026 Medicare Part B Premium and Deductible: Standard Part B premium, deductible and income-related monthly adjustment amounts (IRMAA) for 2026.
- 2026 IRS Standard Mileage Rates: IRS standard mileage rates for business, medical/moving and charitable use in 2026.
- 2027 Social Security COLA: The 3.6% Social Security COLA for 2027: how it was calculated, when it is paid, new average benefits, the 2027 wage base and other amounts, and past COLAs.
- 2026 Minimum Wage by State: State minimum wages for 2026 versus the federal minimum, with tipped wages and scheduled increases.
Put the numbers to work
Estimate your 2026 taxes with the income tax calculator, your take-home pay with the paycheck calculator, or your retirement savings with the 401(k) calculator.