Tax Bracket Calculator
Enter income after deductions. This tool applies no standard deduction and no FICA; it only shows how the 2024 federal brackets split your taxable income.
Per-Bracket Breakdown
| Bracket Range↕ | Rate↕ | Tax in Bracket↕ |
|---|---|---|
| $0.00 - $11,600.00 | 10% | $1,160.00 |
| $11,600.00 - $47,150.00 | 12% | $4,266.00 |
| $47,150.00 - $100,525.00 | 22% | $6,127.00 |
This Tax Bracket Calculator is a pure visualization of how the 2024 federal brackets carve up your income. You enter your taxable income directly, after you have already subtracted your standard or itemized deductions, and it shows exactly how much tax lands in each bracket, your top marginal rate, and your effective rate. Unlike a full income tax calculator, it applies no standard deduction, no FICA payroll tax, and reports no after-tax income; it exists purely to explain the difference between your marginal and effective rate.
Formula
tax = Σ (min(income, bracketMaxᵢ) − bracketMinᵢ) × rateᵢ
- income
- Your taxable income entered directly (deductions already applied)
- bracketMinᵢ
- Lower threshold of bracket i
- bracketMaxᵢ
- Upper threshold of bracket i (infinite for the top bracket)
- rateᵢ
- Marginal rate applied to the slice of income inside bracket i
- effectiveRate
- Total tax divided by taxable income, always at or below the marginal rate
How it works
- Enter your taxable income (the figure after deductions are already removed) and choose a filing status: single, married filing jointly, or head of household.
- The calculator walks the 2024 bracket schedule from the bottom up, taxing each slice of income at that bracket rate, then reports the per-bracket tax, the total, the marginal rate of the highest bracket you reach, and the effective rate (total tax divided by taxable income).
Worked example
A single filer with $75,000 of taxable income (deductions already removed) for the 2024 tax year.
- Bracket 1: 10% of the first 11,600 = $1,160.
- Bracket 2: 12% of (47,150 − 11,600) = 12% of 35,550 = $4,266.
- Bracket 3: 22% of (75,000 − 47,150) = 22% of 27,850 = $6,127.
- Total tax: 1,160 + 4,266 + 6,127 = $11,553; effective rate = 11,553 ÷ 75,000 = 15.4%.
Total tax $11,553, marginal rate 22%, effective rate 15.4%, with $27,850 of income sitting in the top 22% bracket.
Frequently asked questions
- What is the difference between my marginal and effective tax rate?
- The marginal rate is the rate applied to your last dollar of taxable income, which equals your highest bracket. The effective rate is your total tax divided by your taxable income. Because lower slices of income are taxed at lower bracket rates, the effective rate is always at or below the marginal rate.
- What exactly is a tax bracket?
- A tax bracket is a band of income taxed at a single rate. Income is sliced across brackets, so only the portion of income that falls inside a given band is taxed at that band rate; moving into a higher bracket never raises the tax on the income below it.
- Why is my effective rate lower than my top bracket rate?
- Because only the slice of income above the previous bracket threshold is taxed at the top rate. Everything below is taxed at the lower bracket rates, so the blended average (your effective rate) ends up below the marginal rate of your highest bracket.
- Do I subtract deductions before entering my income here?
- Yes. This tool expects taxable income, meaning you have already removed your standard or itemized deductions. It applies no deduction, no FICA payroll tax, and reports no after-tax figure; for a full estimate that starts from gross pay, use the income tax calculator instead.