Tax Bracket Calculator
US federal income tax only. This does NOT include state tax, FICA (Social Security + Medicare), self-employment tax, AMT, the Net Investment Income Tax, the QBI deduction, or any tax credits. Use it to understand brackets — not to file your return.
Enter your taxable income (gross income minus standard or itemized deductions), pick your filing status and tax year. The calculator returns your total federal tax, marginal rate (rate on the next dollar), effective rate (what you actually pay), and a per-bracket breakdown.
After standard or itemized deductions.
Determines which bracket schedule applies.
Brackets are inflation-adjusted annually.
Federal income tax owed (Single, 2025)
$11,414
After-tax annual income: $63,586
Marginal tax rate
22%
The rate on your next dollar earned. This is your "tax bracket."
Effective tax rate
15.22%
What you actually pay (total tax ÷ income). Always lower than your marginal rate.
How your tax is calculated, bracket by bracket
| Bracket | Rate | Income in bracket | Tax |
|---|---|---|---|
| $0 – $11,925 | 10% | $11,925 | $1,192.50 |
| $11,925 – $48,475 | 12% | $36,550 | $4,386.00 |
| $48,475 – $103,350 | 22% | $26,525 | $5,835.50 |
| Total federal tax | $11,414.00 | ||
The thing most people get wrong: Being in the 22% bracket does NOT mean you pay 22% on every dollar. You pay 22% only on the income that falls inside that bracket. Your effective rate (15.22%) is what your full income gets taxed at on average.
Educational tool — not tax advice. Brackets sourced from IRS Rev. Proc. 2024-40 (2025) and Rev. Proc. 2023-34 (2024). Most US taxpayers also owe state income tax (variable by state), FICA (7.65% of wages up to limits), and may have credits, AMT, or NIIT exposure that this calculator doesn't model. For real filing, use IRS forms or licensed tax software.