Free tax calculator
Tax bracket calculator
Find the bracket your income actually reaches, the effective rate you really pay, and exactly how much tax each tier contributes — for 2025 or 2026.
Your bracket and rate
Enter an income figure to see your bracket and effective rate.
Your marginal tax bracket
Figures being finalized. Some tax bracket thresholds for the year and filing status you selected are still being verified against the published IRS revenue procedure. The result below may shift slightly.
We subtracted the standard deduction (—) from the figure you entered to approximate taxable income. If you itemise, your real taxable income will differ.
At this level there is no federal ordinary income tax on these figures. Other taxes — self-employment tax in particular — may still apply.
| Rate | Income taxed here | Tax |
|---|---|---|
| Total | — | — |
- Marginal rate
- —
- Effective rate
- —
On your next dollar
On your taxable income overall
Ordinary federal income tax only. Excludes self-employment tax, long-term capital gains rates, alternative minimum tax, net investment income tax, credits, and all state and local tax.
Federal + state
| Federal tax | — |
|---|---|
| State tax | — |
| Combined | — |
| Combined effective rate | — |
Estimate only — not tax advice. These figures are a general educational estimate based on federal tax data and the numbers you entered. They are not a tax return, not tax advice, and not a guarantee of your actual tax. They exclude many credits, deductions, phase-outs, state and local taxes, and situation-specific rules. Using this tool does not create a client relationship. For numbers you can rely on, book a free consultation.
How this works
Your bracket is not the rate you pay
Ask most people what tax bracket they are in and they will name a number. Ask what share of their income goes to federal tax and they will usually name the same one. Those two answers are almost never the same, and the gap between them is worth real money in planning terms.
Federal income tax is progressive in a specific, mechanical way: your income is cut into slices and each slice is taxed at its own rate. The first portion is taxed at 10%. The next at 12%. Then 22%, 24%, and so on up to 37%. Being “in the 24% bracket” simply means the top slice of your income reached that tier — everything underneath it is still taxed at the lower rates it always was. The table above shows this directly: each row is one slice, and the total is what those slices add up to.
This is why your effective rate — total tax divided by taxable income — always sits below your marginal rate, usually by a wide margin. A single filer with $75,000 of taxable income touches the 22% bracket but pays an effective rate closer to 13%. Both numbers are true; they answer different questions.
Which one you want depends on the decision. For “what will this raise, bonus, or extra project actually net me?” the marginal rate is the honest answer, because new income stacks on top and is taxed at your highest rate. The same logic runs in reverse for deductions: a deductible retirement contribution saves you tax at your marginal rate, not your average one. For “what is tax really costing me?” the effective rate is the fair measure.
And the persistent myth deserves burying: a raise that pushes you into a higher bracket cannot reduce your take-home pay. Only the dollars above the threshold are taxed at the new rate. What can genuinely create a cliff is a means-tested credit or benefit phasing out — a separate effect that has nothing to do with brackets, and one worth checking if you are near a threshold.
Self-employed? Brackets are only part of the picture — see the self-employment tax calculator. For planning around a threshold, see tax preparation or book a free consultation. Selecting a state shows federal and state tax brackets together, including the states that use a single flat rate instead of brackets.
Questions
Brackets and rates, answered
Planning around a bracket?
Timing income, deductions, or a retirement contribution can move the answer. Book a free consultation to talk it through.
Important disclaimer Read Hide
This calculator is provided for general educational and informational purposes only. It is not tax, legal, accounting, or financial advice, and must not be relied upon as such.
No professional relationship. Using this calculator does not create a CPA-client, advisory, or any professional relationship between you and IMAAR Associates CPA, PLLC. A professional relationship is established only through a signed engagement letter.
Estimates only; no warranty of accuracy. Results are approximations based solely on the limited information you enter and on general federal tax figures for the selected year (sources: IRS Rev. Proc. 2024-40 for 2025 and Rev. Proc. 2025-32 for 2026). Tax law is complex and changes frequently. The calculator does not account for all credits, deductions, phase-outs, alternative minimum tax, the qualified business income (QBI) deduction, net investment income tax, state or local taxes, or facts specific to your situation. IMAAR Associates CPA, PLLC makes no representation or warranty, express or implied, as to the accuracy, completeness, or applicability of any result.
No reliance; hold harmless. You should not make any financial, tax, or business decision based on this calculator alone. Any reliance you place on it is strictly at your own risk. To the fullest extent permitted by law, IMAAR Associates CPA, PLLC disclaims all liability for any loss or consequence arising from use of this tool.
State results are simplified estimates. State tax law includes local taxes, credits, and special rules this tool does not model, and some 2026 figures may not yet be finalized by your state. Verify with your state’s Department of Revenue or a professional before relying on any state figure.
For advice you can rely on, book a free consultation with a Washington State Licensed CPA.
Figures: IRS Rev. Proc. 2024-40 (2025) and 2025-32 (2026). Federal figures only — state and local taxes are not included. All calculations run in your browser. Nothing you enter is collected, transmitted, or stored.