Most people conflate marginal rate with effective rate. This tool breaks your income into every federal bracket it crosses and shows what each one costs. Single, married filing jointly, or head of household. Pre-tax deductions reduce your taxable income before the brackets apply.
2026 brackets shown are IRS inflation-adjusted projections. The IRS typically publishes final figures in October/November of the prior year. Verify at irs.gov before filing. Federal only — state taxes vary by jurisdiction.
Not Roth contributions. Only pre-tax.
Your marginal rate is the bracket your next dollar falls into. Your effective rate is your total tax divided by taxable income — always lower, because earlier income was taxed at lower brackets. A “22% bracket” taxpayer typically pays 12–16% effectively. This is why “I just entered a new bracket” does not mean all your income is suddenly taxed at the higher rate.
Not tax advice. Federal only. State taxes, FICA, NIIT, AMT, and credits (EITC, CTC, etc.) are not included. Verify all figures at IRS.gov before filing.