Tax Bracket Year-Over-Year Comparison
2026Compare your tax liability under 2025 vs 2026 brackets. See how bracket inflation adjustments affect you.
By Konstantin Iakovlev · Updated September 2026 · Source: IRS Rev. Proc. 2025-32 (2026 brackets); 2025 brackets from Rev. Proc. 2024-40
2025 Federal Tax
$28,847.00
2026 Federal Tax
$28,598.00
Difference
$249.00
2025 vs 2026 Comparison
| 2025 Tax | $28,847.00 |
| 2025 Marginal Bracket | 24.00% |
| 2025 Effective Rate | 19.23% |
| 2026 Tax | $28,598.00 |
| 2026 Marginal Bracket | 24.00% |
| 2026 Effective Rate | 19.07% |
| You Save in 2026 | $249.00 |
Use the Tax Bracket Year-Over-Year Comparison above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How It Works
When brackets shift, standard deductions move, and rates get rewritten between two tax years, the same income can carry a noticeably different tax bill. Comparing one year against another puts a number on that drift, which makes it far easier to plan ahead, set a budget, and time income or investment decisions with confidence.
The calculator compares 2025 with 2026. It runs the taxable income you enter through each year's bracket ranges and rates for your filing status and shows the tax, the marginal bracket and the effective rate for both. There is no standard deduction step, so enter income after deductions. Because both years are calculated on the same footing, you get a true apples-to-apples read on how the brackets alone moved your bill.
Treat the result as an estimate rather than a filing figure. Real liability bends with deductions, credits, and the state and local taxes left out here. The calculator applies one income and one filing status to both years, so it isolates the bracket changes; it does not reflect a raise, a job change or a new filing status between the years.
Example: Comparing 2025 vs. 2026 for a Single Filer with $80,000 Taxable Income
- 1 Input '$80,000' as taxable income and choose 'Single'. The calculator applies both years' brackets to the same figure.
- 2 2025 (Rev. Proc. 2024-40): 10% of $11,925 = $1,192.50, plus 12% of $36,550 ($11,925 to $48,475) = $4,386, plus 22% of $31,525 ($48,475 to $80,000) = $6,935.50. Total: $12,514, an effective rate of 15.64%.
- 3 2026 (Rev. Proc. 2025-32): 10% of $12,400 = $1,240, plus 12% of $38,000 ($12,400 to $50,400) = $4,560, plus 22% of $29,600 ($50,400 to $80,000) = $6,512. Total: $12,312, an effective rate of 15.39%.
- 4 The calculator shows 'You Save in 2026' of $202. The marginal bracket is 22% in both years; the saving comes from the wider 10% and 12% brackets, which leave less income in the 22% band.
Source: IRS Rev. Proc. 2025-32 (2026 brackets); 2025 brackets from Rev. Proc. 2024-40 · Last updated: September 2026
Frequently Asked Questions
How did tax brackets change from 2025 to 2026?
Will tax rates go up in 2026?
How do I minimize the impact of bracket changes?
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