US Tax Bracket Calculator
Find your US federal tax bracket, marginal tax rate, and effective tax rate based on your taxable income and filing status.
A tax bracket is the range of income taxed at a specific marginal rate. The US (and many other countries) use a progressive tax system — meaning only the income within each bracket is taxed at that rate, not your entire income. This is one of the most misunderstood concepts in personal finance.
Formula: Tax Owed = Σ (Income in Bracket × Bracket Rate) for each applicable bracket Effective Tax Rate = Total Tax Owed ÷ Total Taxable Income × 100 Marginal Rate = The rate applied to your next dollar of income
2024 US Federal Income Tax Brackets (Single filer):
| Taxable Income | Rate |
|---|---|
| $0 – $11,600 | 10% |
| $11,601 – $47,150 | 12% |
| $47,151 – $100,525 | 22% |
| $100,526 – $191,950 | 24% |
| $191,951 – $243,725 | 32% |
| $243,726 – $609,350 | 35% |
| Over $609,350 | 37% |
Worked example — $75,000 taxable income (single):
- 10% on first $11,600 = $1,160
- 12% on $11,601–$47,150 = $35,549 × 0.12 = $4,266
- 22% on $47,151–$75,000 = $27,849 × 0.22 = $6,127
- Total federal tax = $11,553
- Effective rate = $11,553 ÷ $75,000 = 15.4%
- Marginal rate = 22% (the rate on the last dollar earned)
Key insight: Being in the “22% bracket” does NOT mean you pay 22% on everything. You pay 22% only on income above $47,150. Your effective rate on the full $75,000 is just 15.4%.
Standard deduction (2024):
- Single: $14,600
- Married filing jointly: $29,200
- Head of Household: $21,900
Taxable income = Gross Income − Standard Deduction − Other Deductions. A $90,000 income single filer subtracts $14,600 → $75,400 taxable income, putting them solidly in the 22% bracket with a ~15.5% effective rate.