Current official authority, tax-year context, assumptions, and a visible change record for educational material.
Entry 001 · 2026 ordinary-income schedule
Traditional IRA withdrawal bracket illustration
This tool shows the incremental 2026 federal ordinary-income bracket calculation from a user-assumed taxable share. It does not estimate total tax or take-home cash. Qualified dividends and capital gains can change actual liability.
First published
September 16, 2026 (Rulebook page; calculator source added September 2)
Source checked
October 1, 2026
Last author review
October 17, 2026 · Approved by James Collins
Applicable year
2026 tax year; typically filed in 2027
Controlling authority
IRS Revenue Procedure 2025-32, section 3.01; IRS Topic 557 for early distributions
October 1 change
Removed the total tax and net cash labels; clarified the ordinary-income-only input, IRA basis, early-distribution exception, and omitted interactions.
October 17, 2026: James Collins approved the published revisions. Author approval is recorded separately from the October 1 source check.
The September 16 page edition is the prior site edition; the October 1 entry above records its substantive revision. No 2025 tax-year values were published here, so there is no prior-year tax table to archive. The next quarterly check should add any superseding authority and retain this record.
James Collins is the author reviewer for assumptions and future changes. James Collins approved the current revision on October 17, 2026.
Education before execution. This material is general, hypothetical, and educational, including any interactive numbers. It is not individualized investment, tax, legal, accounting, insurance, lending, estate-planning, or retirement-plan advice, tax-return preparation, or an offer of an advisory relationship through this site. Examples simplify reality, outcomes vary, and rules and circumstances change. Review governing documents and consult qualified professionals who know your facts before acting.