Tax Bracket Calculator 2025-2026
Find out which federal tax bracket you're in. See your marginal rate, effective rate, and how your income is taxed across all brackets.
After deductions (AGI minus standard/itemized)
What is Taxable Income?
Your taxable income is your gross income minus deductions (standard or itemized). It's Line 15 on Form 1040.
Marginal Tax Bracket
22%
Rate on next dollar earned
Effective Tax Rate
15.2%
Actual rate you pay
Federal Tax
$11,414
Until 24% Bracket
$28,350
How Your Income is Taxed
Key insight: Your marginal rate (22%) only applies to income in that bracket. Your effective rate (15.2%) is what you actually pay overall—much lower because lower brackets are taxed at lower rates first.
2025 Federal Tax Brackets
| Rate | Single | Married Filing Jointly | Head of Household |
|---|---|---|---|
| 10% | $0 - $11,925 | $0 - $23,850 | $0 - $17,000 |
| 12% | $11,925 - $48,475 | $23,850 - $96,950 | $17,000 - $64,850 |
| 22% | $48,475 - $103,350 | $96,950 - $206,700 | $64,850 - $103,350 |
| 24% | $103,350 - $197,300 | $206,700 - $394,600 | $103,350 - $197,300 |
| 32% | $197,300 - $250,525 | $394,600 - $501,050 | $197,300 - $250,500 |
| 35% | $250,525 - $626,350 | $501,050 - $751,600 | $250,500 - $626,350 |
| 37% | $626,350+ | $751,600+ | $626,350+ |
What This Calculator Shows
Marginal Rate
The tax rate on your next dollar of income
Effective Rate
Your actual overall tax rate on all income
Bracket Breakdown
See exactly how much is taxed at each rate
Next Bracket
Know how much room before the next rate
Official IRS References
- IRS Rev. Proc. 2024-40: Tax Year 2025 Inflation Adjustments
Official 2025 tax brackets and thresholds
- IRS Form 1040 Instructions
Tax tables and rate schedules
- IRS Tax Tables
Official tax tables for all filing statuses
This calculator shows federal income tax brackets only. State taxes, FICA taxes (Social Security and Medicare), and other taxes are not included. Consult a tax professional for personalized advice.