Tax Bracket Calculator Find your bracket, and see what it really means.
Being “in the 24% bracket” does not mean you pay 24% on everything you earn. Enter your income to see exactly how it fills each bracket, the difference between your marginal and effective rate, and how much more you could earn before reaching the next bracket.
Your Income
Results update as you type.
You Are In The
How Your Income Fills Each Bracket
Read from the bottom up. Each bar shows how much of your taxable income is taxed at that rate — the lower brackets always fill first.
Room In Your Current Bracket
Tax Summary
2025 Federal Income Tax Brackets — All Filing Statuses
Taxable income ranges by filing status. Your selected status is highlighted, and the bracket your income lands in is marked.
| Rate | Single | Married Filing Jointly | Married Filing Separately | Head of Household |
|---|---|---|---|---|
| 10% | $0 – $11,925 | $0 – $23,850 | $0 – $11,925 | $0 – $17,000 |
| 12% | $11,925 – $48,475 | $23,850 – $96,950 | $11,925 – $48,475 | $17,000 – $64,850 |
| 22% | $48,475 – $103,350 | $96,950 – $206,700 | $48,475 – $103,350 | $64,850 – $103,350 |
| 24% | $103,350 – $197,300 ← | $206,700 – $394,600 | $103,350 – $197,300 | $103,350 – $197,300 |
| 32% | $197,300 – $250,525 | $394,600 – $501,050 | $197,300 – $250,525 | $197,300 – $250,500 |
| 35% | $250,525 – $626,350 | $501,050 – $751,600 | $250,525 – $375,800 | $250,500 – $626,350 |
| 37% | $626,350+ | $751,600+ | $375,800+ | $626,350+ |
Marginal vs. Effective and why the difference matters
An estimate, not tax advice
This calculator provides a simplified estimate for planning purposes only. It does not account for every provision that may apply to your situation, and it is not a substitute for professional guidance. Talk with Alumbra CPA about your specific facts.
- Moving into a higher bracket does not raise the tax on your existing income. Only the dollars above the threshold are taxed at the higher rate.
- Your marginal rate is the planning number. It tells you the tax cost of the next dollar of income, and the tax value of the next dollar of deduction.
- Your effective rate is the reality number. Because the lower brackets fill first, it is always below your marginal rate.
- Bracket thresholds apply to taxable income, which is your income after deductions and adjustments — not your gross pay.
- Not included here: capital gains rates, self-employment tax, the Net Investment Income Tax, alternative minimum tax, credits, phase-outs, and state income tax.
- Deduction and bracket amounts change annually. Confirm current-year figures before relying on them for a filing decision.
Knowing your marginal rate changes how you plan
Retirement contributions, charitable gifts, the timing of a bonus, or accelerating a deduction all depend on the rate at the margin. We can help you use that number well.