Oklahoma State Tax Calculator 2026
Estimate your Oklahoma state income tax and take-home pay for tax year 2026.
Last updated: November 2025 · Source
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Oklahoma 2026 tax overview
HB2764 (effective 2026) collapsed 6 brackets into 3; top rate cut from 4.75% to 4.5%. Brackets are NOT inflation-indexed.
Breakdown
Oklahoma income tax brackets, 2026
Rates apply to each slice of taxable income in turn, not to the whole amount. Reaching the 4.50% bracket does not mean paying 4.50% on everything. Figures are for single filers unless the state uses one schedule for all statuses.
| Taxable income | Rate | Tax on this bracket |
|---|---|---|
| $0 to $10,000 | 0.25% | $25 max |
| $10,000 to $25,000 | 2.75% | $413 max |
| Over $25,000 | 4.50% | 4.50% of everything above $25,000 |
Brackets apply to income after the Oklahoma standard deduction of $6,350 single and $12,700 married filing jointly, which is separate from the federal standard deduction.
Frequently Asked Questions
What are the 2026 Oklahoma income tax rates?
Oklahoma uses a 3-bracket progressive schedule for 2026, running from 0.25% to 4.50%. The top rate starts at $25,000 of taxable income. HB2764 (effective 2026) collapsed 6 brackets into 3; top rate cut from 4.75% to 4.5%. Brackets are NOT inflation-indexed.
At what income does the top Oklahoma tax rate start?
The 4.50% top rate applies to taxable income above $25,000. Below that, 2 lower brackets apply in sequence, so your average rate is always lower than your top rate.
What is the 2026 Oklahoma standard deduction?
Oklahoma allows a state standard deduction of $6,350 for single filers and $12,700 for married filing jointly in 2026. This is separate from the federal standard deduction, which is $16,100 and $32,200 respectively.
Does Oklahoma tax Social Security and retirement income?
Oklahoma does not tax Social Security and exempts up to $10,000 of other retirement income per person.
What surprises people most about Oklahoma income tax?
Oklahoma keeps six narrow brackets that top out at a low income level, so almost every full-time worker pays the top rate.