2016 Federal Income Tax Brackets

Income Taxes, Taxes
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Because the United States has a progressive federal tax system, you’re going to land in one of these seven federal income tax brackets in 2016: 10%, 15%, 25%, 28%, 33%, 35% or 39.6%.


 
But no matter which bracket you’re in, you won’t pay that rate on your entire 2016 income. There are two reasons: First, you get to subtract tax deductions and exemptions to determine your taxable income. Second, the government divides your taxable income into chunks based on these tax brackets, and each chunk gets taxed at the corresponding rate.

For example, a single filer with $32,000 in taxable income lands in the 15% tax bracket but pays just 10% on the portion of income that falls into the lowest bracket (up to $9,275), then 15% on income above that amount. (By the way, this is what makes tax credits and deductions so valuable — they can reduce your taxable income and even kick you to a lower bracket.) Note that this is the deal only for federal income taxes; your state might have different brackets, a flat income tax or even no income tax at all.

See what tax bracket applies to you

The charts below use Internal Revenue Service figures show the dollar amount of taxes owed at each threshold, plus your marginal tax rate, which is the rate at which the remaining portion of your income is taxed.

Once your income tax burden is calculated, you apply any tax credits you qualify for; they lower your tax bill on a dollar-for-dollar basis.

It’s unlikely you’ll have to do much of the math yourself. You can use our federal tax calculator to determine where your income and potential refund falls. Plus, any online tax preparation software will do the calculations for you. If you file paper returns, the IRS instructions provide tax tables with net taxes owed on every income amount up to $100,000.

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2016 Federal Income Tax Brackets

Single filers
Taxable income Tax rate
$0 to $9,275 10%
$9,276 to $37,650 $927.50 plus 15% of the amount over $9,275
$37,650 to $91,150 $5,183.75 plus 25% of the amount over $37,650
$91,150 to $190,150 $18,558.75 plus 28% of the amount over $91,150
$190,150 to $413,350 $46,278.75 plus 33% of the amount over $190,150
$413,350 to $415,050 $119,934.75 plus 35% of the amount over $413,350
$415,050 or more $120,529.75 plus 39.6% of the amount over $415,050
Married Filing Jointly or Qualifying Widow(er)
Taxable income Tax rate
$0 to $18,550 10%
$18,550 to $75,300 $1,855.00 plus 15% of the amount over $18,550
$75,300 to $151,900 $10,367.50 plus 25% of the amount over $75,300
$151,900 to $231,450 $29,517.50 plus 28% of the amount over $151,900
$231,450 to $413,350 $51,791.50 plus 33% of the amount over $231,450
$413,350 to $466,950 $111,818.50 plus 35% of the amount over $413,350
$466,950 or more $130,578.50 plus 39.6% of the amount over $466,950
Married Filing Separately
Taxable income Tax rate
$0 to $9,275 10%
$9,275 to $37,650 $927.50 plus 15% of the amount over $9,275
$37,650 to $75,950 $5,183.75 plus 25% of the amount over $37,650
$75,950 to $115,725 $14,758.75 plus 28% of the amount over $75,950
$115,725 to $206,675 $25,895.75 plus 33% of the amount over $115,725
$206,675 to $233,475 $55,909.25 plus 35% of the amount over $206,675
$233,475 or more $65,289.25 plus 39.6% of the amount over $233,475
Head of Household
Taxable income Tax rate
$0 to $13,250 10%
$13,250 to $50,400 $1,325.00 plus 15% of the amount over $13,250
$50,400 to $130,150 $6,897.50 plus 25% of the amount over $50,400
$130,150 to $210,800 $26,835.00 plus 28% of the amount over $130,150
$210,800 to $413,350 $49,417.00 plus 33% of the amount over $210,800
$413,350 to $441,000 $116,258.50 plus 35% of the amount over $413,350
$441,000 or more $125,936.00 plus 39.6% of the amount over $441,000

If you’d like to see an estimate of your tax amount, based on your income and federal tax bracket, try our calculator.

Next steps

Of course, you might be eligible for tax credits or deductions that would lower your bill. And if you’re ready to file, we can help you choose tax software and find the fastest way to get your refund.


This post was updated on Nov. 23, 2016.