Marginal Income Tax Bracket Calculator
Break down US federal income tax bracket by bracket — see exactly how much of your income is taxed at each progressive rate, your marginal vs. effective tax rate, and your take-home pay for 2024 or 2025.
Input
Total income before any deductions.
Output
| Rate | Income Range | Taxed in Bracket | Tax Owed |
|---|---|---|---|
| No data yet | |||
| Description | Amount |
|---|---|
| No data yet | |
Estimate only, not tax advice. Covers US federal income tax alone — no state/local taxes, tax credits, or itemized deductions.
More ways to use this tool
REST API
curl -X POST https://api.iotools.cloud/v1/tool/marginal-income-tax-bracket-calculator \
-H "Authorization: Bearer YOUR_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"grossIncome": "85000",
"filingStatus": "single",
"taxYear": "2025"
}'Swap in your own key from your account. The tool's fields are the body — no wrapper.
Ask an AI agent
Use the IOTools `marginal-income-tax-bracket-calculator` tool (Marginal Income Tax Bracket Calculator) on this input:
YOUR_INPUT_HEREPaste this at any agent connected to the IOTools MCP server, then add your input.
Embed widget
<iframe
src="https://iotools.cloud/embed/marginal-income-tax-bracket-calculator/"
width="100%" height="520" frameborder="0" scrolling="no" loading="lazy"
title="Marginal Income Tax Bracket Calculator — iotools.cloud"
sandbox="allow-scripts allow-forms allow-same-origin allow-downloads allow-popups allow-popups-to-escape-sandbox"
allow="clipboard-write"
style="width:100%;border:1px solid #e5e7eb;border-radius:12px;overflow:hidden"></iframe>
<script src="https://iotools.cloud/embed.js" async></script>Drop this into your own page — free, no key required, just a link back.
| Cost per API/MCP call | From 5 credits |
|---|---|
| Need more credits? | View pricing |
Also available with
Guides
The US federal income tax system is progressive: your income doesn't get taxed at one flat rate. It gets sliced into brackets, and each slice is taxed at its own rate — only the dollars within a bracket pay that bracket's rate, not your whole income. This calculator shows that slicing explicitly, bracket by bracket, instead of leaving you to trust a single "your tax rate is X%" answer.
How to use it
- Enter your gross annual income.
- Pick your filing status — Single, Married Filing Jointly, Married Filing Separately, or Head of Household.
- Pick the tax year — 2024 or 2025.
The breakdown table updates instantly, showing each bracket your income actually reaches: the rate, the income range, how much of your income falls in that range, and the tax owed on it. The summary table below it totals everything up.
Marginal rate vs. effective rate
These two numbers get confused constantly:
- Marginal tax rate — the rate on your last dollar earned, i.e. the rate of the highest bracket you reach. This is the rate that applies to your next raise or bonus.
- Effective tax rate — your total federal tax divided by your gross income. Because lower brackets are taxed at lower rates, this is always lower than your marginal rate.
If your marginal rate is 22%, you are not paying 22% of your whole income in tax — you're paying 10% on the first slice, 12% on the next, and 22% only on the portion above that. The bracket table is what makes that concrete instead of abstract.
What's included
- The standard deduction for your filing status and tax year is subtracted from your gross income automatically before the brackets are applied — this calculator doesn't itemize.
- Figures are the official 2024 and 2025 IRS federal bracket thresholds and standard deductions.
Does this include state tax?
No. This is federal income tax only. State income tax (where applicable) is calculated separately and varies by state — some states have no income tax at all.
Why does the 2025 amount differ from what I expected?
Bracket thresholds and the standard deduction are adjusted for inflation every year, so the same income can land in a different effective position year to year even though the rates (10% through 37%) stay the same.
Privacy
All calculations run entirely in your browser. Your income figures are never uploaded, stored, or shared.
Disclaimer
This tool provides estimates only and is not tax advice. It covers federal income tax alone and does not include state or local taxes, tax credits, the standard vs. itemized deduction choice beyond the standard amount, or your specific circumstances. Consult a qualified tax professional before making decisions based on these numbers.
Related tools
If you're specifically figuring out gig or 1099 income, use the Side Hustle Income Tax Calculator, which also adds self-employment tax. To compare a W2 offer against a 1099 contract at the same headline pay, see the 1099 vs W2 Income Comparison Calculator.