2026 Tax & Retirement Limits.

The complete reference for 2026 federal tax brackets, retirement contribution limits, and key financial numbers.

2026 Federal Tax Brackets

Complete tax bracket tables for all filing statuses — Single, Married Filing Jointly, Head of Household. Standard deduction amounts included.

7 brackets: 10% – 37%

2026 Roth IRA Limits

Contribution limits, income phase-out ranges (MAGI), and catch-up contributions for individuals age 50 and older.

$7,000 / $8,000 (50+)

2026 401(k) Limits

Employee deferral limits, employer match maximums, catch-up contributions, and the new super catch-up for ages 60–63.

$23,500 / $31,000 (50+)

2026 Standard Deduction

Standard deduction amounts by filing status, additional deductions for age 65+ and blind, and when to itemize instead.

$15,000 Single / $30,000 MFJ

2026 Capital Gains Tax Rates

Long-term and short-term capital gains brackets, NIIT thresholds, collectibles rates, and depreciation recapture.

0% / 15% / 20% + 3.8% NIIT

2026 HSA Contribution Limits

Health Savings Account contribution limits, HDHP minimum deductibles, maximum out-of-pocket, and catch-up contributions.

$4,300 Self / $8,550 Family

2026 FICA Tax Rates

Social Security and Medicare tax rates, wage base limit, Additional Medicare Tax, and self-employment tax calculations.

SS Wage Base: $176,100

2026 Social Security Benefits

COLA adjustment, maximum benefits at ages 62/FRA/70, earnings test thresholds, and taxation of benefits.

2.5% COLA • Max: $5,108/mo at 70

2026 Medicare Premiums

Part B standard premium, IRMAA surcharges by income, Part A deductibles, and Part D income-based adjustments.

Part B: $185.00/mo standard

2026 Estate & Gift Tax

Estate tax exemption, annual gift exclusion, lifetime gift exemption, GST tax, and the TCJA sunset warning.

$13.99M exemption • $19K gift