Tax Bracket Calculator
A tax bracket calculator is a financial utility that estimates an individual's or household's federal income tax liability and marginal tax bracket. By analyzing gross annual income, filing status (single, married filing jointly, head of household), and the standard deduction, the calculator applies the progressive tax rate brackets defined by the IRS. It determines the user's marginal tax rate (the rate paid on the last dollar earned) and effective tax rate (the average rate paid), helping taxpayers estimate tax bills and plan withholdings.
Pick a tax year, filing status, and deduction mode. Enter gross income and the calculator estimates federal ordinary income tax with marginal rate, effective rate, and a clean per-bracket breakdown.
Quick Answer
Estimate your federal income tax bracket and tax liability. Enter your income, filing status, and deductions to see your marginal and effective tax rates.
Tax year
Filing status
Deduction
Pre-tax annual income for the chosen year. · e.g. 80000
Standard deduction (auto)
IRS standard deduction for 2026 · Single.
Federal ordinary income tax only. Does not include state, FICA, credits, AMT, or any special tax situations.
Federal income tax · 2026
$8,770.00
Marginal 22% · effective 10.96% of gross
Federal ordinary income tax only. Excludes state tax, FICA/payroll tax, credits, AMT, capital gains rates, and special filing situations. See the bracket table below for how each dollar is taxed.
Per-bracket breakdown · 2026 · Single
| Bracket | Rate | Taxed in bracket | Tax from bracket |
|---|---|---|---|
| $0.00 – $12,400.00 | 10% | $12,400.00 | $1,240.00 |
| $12,400.00 – $50,400.00 | 12% | $38,000.00 | $4,560.00 |
| $50,400.00 – $105,700.00 | 22% | $13,500.00 | $2,970.00 |
| $105,700.00 – $201,775.00 | 24% | $0.00 | $0.00 |
| $201,775.00 – $256,225.00 | 32% | $0.00 | $0.00 |
| $256,225.00 – $640,600.00 | 35% | $0.00 | $0.00 |
| $640,600.00 – ∞ | 37% | $0.00 | $0.00 |
| Total | $63,900.00 | $8,770.00 |
Examples
$80,000 income · 2026 · Single · standard
tax ≈ $9,290 · marginal 22% · effective ~11.6%
$150,000 income · 2025 · MFJ · standard
tax ≈ $16,000 · marginal 22% · effective ~10.7%
$45,000 income · 2024 · HoH · standard
tax ≈ $2,635 · marginal 12% · effective ~5.9%
How it works
U.S. federal income tax uses marginal brackets. Taxable income (gross minus deduction) is split across bands, and each band is taxed at its rate. The calculator walks taxable income up through the IRS-published brackets for the selected year and filing status and sums the per-band tax.
Taxable income · max(0, gross − deduction)
Tax in bracket · min(remaining, bracket span) × bracket rate
Effective rate · total tax ÷ gross income
Brackets and standard deductions hard-coded from IRS Rev. Procs. 2023-34 (2024), 2024-40 (2025), and 2025-32 (2026).
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Tax disclaimer. This calculator is for educational planning only. It estimates federal ordinary income tax from the bracket data shown. It does not include state tax, FICA/payroll tax, credits, AMT, itemized deduction limits, phase-outs, capital gains rates, self-employment tax, or special filing situations. For filing or tax advice, consult a qualified tax professional or use the IRS website.
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