Planning your investing around your current and future top tax brackets opens up opportunities to increase your after-tax returns.
2026 tax brackets
for income earned in 2025 (aka tax year 2025)
| Tax rate |
Single filers |
Married filing jointly |
| 10% |
$0–$11,925 |
$0–$23,850 |
| 12% |
$11,926–$48,475 |
$23,851–$96,950 |
| 22% |
$48,476–$103,350 |
$96,951–$206,700 |
| 24% |
$103,351–$197,300 |
$206,701–$394,600 |
| 32% |
$197,301–$250,525 |
$394,601–$501,050 |
| 35% |
$250,526–$626,350 |
$501,051–$751,600 |
| 37% |
$626,351 or more |
$751,601 or more |
Source: IRS
2027 tax brackets
for income earned in 2026 (aka tax year 2026)
| Tax rate |
Single filers |
Married filing jointly |
| 10% |
$0–$12,400 |
$0–$24,800 |
| 12% |
$12,401–$50,400 |
$24,801–$100,800 |
| 22% |
$50,401–$105,700 |
$100,801–$211,400 |
| 24% |
$105,701–$201,775 |
$211,401–$403,550 |
| 32% |
$201,776–$256,225 |
$403,551–$512,450 |
| 35% |
$256,226–$640,600 |
$512,451–$768,700 |
| 37% |
$640,601 or more |
$768,701 or more |
Source: IRS
