Tax Bracket Calculator
See which federal tax bracket your income falls into, and the full bracket table.
Your Details
How It Works
- Enter your gross income and deductions.
- Press Calculate to see which bracket applies.
- Check the full table to see all bracket thresholds.
Formula Used
Good to Know
- • Being "in" a bracket only taxes income within that range at that rate.
- • Brackets are adjusted annually for inflation.
Important Notes
- • Single-filer brackets only; other statuses have different thresholds.
- • Always confirm against current IRS figures for tax filing.
Reading the Bracket Table
The highlighted row above shows which bracket your taxable income falls into — but remember, only the income within that specific range is taxed at that rate. Everything below it was already taxed at the lower brackets' rates on the way up.
Why Effective Rate Rises Gradually, Not in Jumps
The "Effective Rate at Different Incomes" chart shows a smooth curve rather than sharp jumps, even though marginal brackets change abruptly at each threshold. That's the direct result of the progressive structure — crossing into a new bracket only affects the portion of income above that threshold, so the blended effective rate moves gradually rather than jumping with each bracket change.
Making Sense of the Terms
- Bracket threshold — the income level where the tax rate steps up to the next bracket.
- Marginal vs. effective rate — the rate on your last dollar vs. your blended overall rate.
Example Scenario: Finding Your Bracket
Taxable income of $95,000 (after standard deduction, from $110,000 gross):
But effective rate on the full amount ≈ 15.8%, well below 22%
The gap between the 22% marginal bracket and the roughly 16% effective rate is entirely due to the progressive structure — the first $48,475 was taxed at just 10% and 12%, pulling the average well below the top bracket rate.
Effective Rate at Different Incomes Table
| Gross Income | Marginal Bracket | Effective Rate |
|---|---|---|
| $50,000 | 12% | 9.1% |
| $95,000 | 22% | 15.8% |
| $200,000 | 24% | 19.6% |
Watch Out For These Reading Tax Brackets
- Fearing a raise will "push you into a worse bracket" — only the income above the threshold is taxed at the new rate.
- Using last year's thresholds — brackets adjust annually for inflation.