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.
How we build and check this calculator
This calculator runs entirely in your browser, so the numbers you enter stay on your device. The math behind it is written by hand and tested against worked examples and standard references before the page goes live.
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