Tax Bracket Calculator
See exactly which tax brackets your income falls in and how much you pay at each rate. The U.S. uses progressive brackets — only the income within each range is taxed at that rate, not your entire income.
Your Income
How Tax Brackets Work
Tax brackets are progressive— you don’t pay your marginal rate on all your income. If you’re “in the 24% bracket,” only the income above the 22% bracket threshold is taxed at 24%. Your first dollars are always taxed at 10%.
Marginal vs. effective rate:Your marginal rate is the rate on your next dollar of income. Your effective rate is what you actually pay as a percentage of total income — it’s always lower than your marginal rate.
Taxable income ≠ gross income. Your taxable income is your gross income minus deductions. The standard deduction for 2026 is $16,100 (single) or $32,200 (married filing jointly). This calculator shows brackets applied to your taxable income.
State brackets are separate from federal and vary widely. Nine states have no income tax. Others range from flat rates (like Pennsylvania at 3.07%) to progressive systems with top rates over 13% (California).