2026 federal tax reference & estimator
A federal tax reference and simplified estimator for an informed planning conversation. These estimates do not replace a tax return or personalized tax advice.
Current federal tax rates & brackets
Understanding your tax bracket is the first step toward smarter retirement planning. Use these IRS-published 2026 rates as a reference — then let us show you how to legally reduce what you owe.
Key 2026 deductions & limits:
| Rate | Taxable Income Range | Tax Owed |
|---|---|---|
| 10% | Up to $12,400 | 10% of taxable income |
| 12% | Over $12,400 – Up to $50,400 | Flat $1,240 + 12% of amount over $12,400 |
| 22% | Over $50,400 – Up to $105,700 | Flat $5,800 + 22% of amount over $50,400 |
| 24% | Over $105,700 – Up to $201,775 | Flat $17,966 + 24% of amount over $105,700 |
| 32% | Over $201,775 – Up to $256,225 | Flat $41,024 + 32% of amount over $201,775 |
| 35% | Over $256,225 – Up to $640,600 | Flat $58,448 + 35% of amount over $256,225 |
| 37% | Over $640,600 | Flat $192,979.25 + 37% of amount over $640,600 |
Tax rates shown are for Tax Year 2026 (returns filed in 2027), per IRS Revenue Procedure 2025-32. Last reviewed October 2, 2026. This information is for educational reference only and does not constitute tax advice. Consult a qualified tax professional for guidance specific to your situation. Broussard Financial Services does not prepare tax returns. IRS 2026 tax tables · SSA wage base