US Tax Bracket Calculator

For 2025, single filers face: 10% up to $11,925; 12% to $48,475; 22% to $103,350; 24% to $197,300; 32% to $250,525; 35% to $626,350; 37% above. Brackets are roughly doubled for married filing jointly. Critically, these are marginal rates - moving into a higher bracket only taxes the dollars above the threshold at the higher rate, not your entire income.

Marginal rate is the tax on your next dollar earned. Effective rate is total tax divided by total income - usually much lower because earlier dollars were taxed at lower brackets. Someone in the 22% bracket might have an effective federal rate of 14%–17%. Effective rate is the true measure of your tax burden; marginal matters most for decisions about deductions, raises, and Roth vs traditional contributions.

For 2025: $15,000 for single filers, $30,000 for married filing jointly, $22,500 for head of household. Roughly 90% of filers take the standard deduction since the 2017 Tax Cuts and Jobs Act roughly doubled it. Itemizing only beats the standard if total itemized deductions (state/local tax up to $10,000, mortgage interest, charity, etc.) exceed the standard.

No - moving into a higher bracket never reduces take-home pay, because only the income above the threshold is taxed at the higher rate. A common myth is that crossing a bracket means losing money; the math always shows higher gross income means higher net income. (Some welfare cliffs and credit phaseouts create real "benefit cliffs," but federal income tax brackets themselves do not.)