Here are the 2025 and 2026 Income Tax Brackets

Americans’ tax returns — and, for that matter, tax bills — this filing season are based on seven tax brackets that determine where their top tax rate falls.

Tax brackets determine how much you will pay in each portion of your taxable income for the year. Not set in stone: The IRS adjusts its bracket thresholds every year based on the inflation index. These changes mean that Americans don’t end up having to pay higher tax rates just because their incomes increase and prices rise.

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The IRS also makes inflation adjustments to the standard deduction, which is a set amount of your earned income. don’t do it you need to pay government taxes. Most taxpayers take the standard deduction, although there is a small camp of people who do.

Here’s what you need to know this year and next.

Tax brackets for 2025

It is important to remember that because the US has a graduation rate structure, your maximum rate is not a percentage of your total income. You only pay the maximum amount of taxable income you make above the bracket limit.

In 2025, the lowest tax rate, 10%, applies to your first $11,925 of taxable income if you are a single filer. At the higher end of the bracket, single filers owe a whopping 37% of taxable income over $626,350 in 2025.

The standard deduction is $15,750 for single filers and $31,500 for married couples filing jointly after the One Big, Beautiful Bill raised the standard deduction to $750 for single filers and $1,500 for couples.

Tax brackets for 2026

Earlier this year, you may have noticed that your check got bigger because of the IRS’s 2026 inflation change (those taxes you’ll be filing next spring). Although the tax rates themselves are the same for 2025 and 2026, the IRS increased the income limits that determine your bracket by about 2.8% for 2026. The increase came in at 4% for the two lower thresholds and about 2.3% for the other.

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The IRS also increased the standard deduction for 2026, making it $16,100 for single filers and $32,200 for married couples filing jointly.

Basically: If your income doesn’t change between 2025 and 2026 — and assuming everything else stays the same — your 2026 tax bill should come out lower because of the changes, or your refund should be bigger. It is also possible that you will get into the lower bracket if you were just above the cutoff.

More information about tax bracket adjustments is available on the IRS website.