Tax Bracket Calculator
See exactly how the 2025 federal tax brackets apply to your income. Understand the difference between your marginal and effective tax rate.
Your income after subtracting deductions (standard or itemized)
Enter your taxable income to see results
Your full bracket breakdown, marginal rate, and effective rate will appear here.
How Do Tax Brackets Work?
The U.S. uses a progressive tax system, which means your income is taxed in layers. Only the income that falls within each bracket's range is taxed at that bracket's rate — not your entire income.
For example, if you're single with $85,000 in taxable income, you don't pay 22% on all $85,000. Instead, you pay 10% on the first $11,925, 12% on the next portion up to $48,475, and 22% only on the amount above $48,475. That's why your effective rate is always lower than your marginal rate.
Marginal vs. Effective Tax Rate
Marginal Rate
The tax rate applied to your last (highest) dollar of income. This is the bracket you “fall into.” It determines how much tax you'd pay on any additional income you earn.
Effective Rate
Your average tax rate across all your income. It's calculated by dividing your total tax by your total taxable income. This is the rate you actually pay overall.
2025 Federal Tax Brackets at a Glance
| 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 – + |
Disclaimer
Federal estimates only. State taxes are not included.
This calculator provides estimates based on 2025 IRS tax rates (Rev. Proc. 2024-40). It is for informational purposes only and does not constitute tax advice. Consult a qualified tax professional for your specific situation.