2026 Money Numbers
The official 2026 federal money numbers in one place: income tax brackets, standard deductions ($16,100 single, $32,200 married filing jointly, $24,150 head of household), IRA limits ($7,500 under 50, $8,600 at 50+), 401(k) limits ($24,500), Roth IRA phase-outs, and FDIC/NCUA coverage — each figure with its IRS or agency source named.
2026 standard deductions
| Filing status | Standard deduction |
|---|---|
| Single | $16,100 |
| Married filing jointly | $32,200 |
| Head of household | $24,150 |
2026 federal income tax brackets
| Rate | Single — up to | Married filing jointly — up to | Head of household — up to |
|---|---|---|---|
| 10% | $12,400 | $24,800 | $17,700 |
| 12% | $50,400 | $100,800 | $67,450 |
| 22% | $105,700 | $211,400 | $105,700 |
| 24% | $201,775 | $403,550 | $201,750 |
| 32% | $256,225 | $512,450 | $256,200 |
| 35% | $640,600 | $768,700 | $640,600 |
| 37% | over $640,600 | over $768,700 | over $640,600 |
2026 retirement account limits
| Account | Under 50 | 50 and older |
|---|---|---|
| IRA | $7,500 | $8,600 |
| 401(k) | $24,500 | $32,500 ($24,500 + $8,000 catch-up) |
| 401(k) super catch-up, ages 60–63 | — | $35,750 ($24,500 + $11,250) |
2026 Roth IRA phase-outs
| Filing status | Phase-out range |
|---|---|
| Single | $153,000 – $168,000 |
| Married filing jointly | $242,000 – $252,000 |
Bank account insurance
FDIC (banks) and NCUA (credit unions) each insure deposits up to $250,000 per depositor, per insured institution, per ownership category.
Sources: IRS Revenue Procedure 2025-32 (2026 brackets and standard deductions); IRS retirement plan limits notices; IRS Roth IRA phase-out guidance; FDIC and NCUA coverage rules.
Put these numbers to work
→ Yearly Personal Finance Checklist
Frequently asked questions
Where do these 2026 figures come from?
Tax brackets and standard deductions come from IRS Revenue Procedure 2025-32; IRA and 401(k) limits from the IRS's 2026 retirement-plan limit announcements; deposit insurance coverage from the FDIC and NCUA. Each table on this page names its source so you can verify it.
Do the tax brackets apply to my whole income?
No. The brackets are marginal — each rate taxes only the slice of taxable income inside it. A single filer whose top bracket is 22% still pays 10% on the first slice and 12% on the next.
When will the 2027 numbers appear here?
The IRS usually publishes the next tax year's brackets and limits in the fall. This page is updated with the new official figures when they are released, and the date at the top changes with it.
This page is educational and is not financial, tax, or legal advice. See our disclaimer.