Result
Federal income tax
$13,412.00
- Effective tax ratetax ÷ taxable income15.78%
- Marginal tax raterate on your next dollar22%
- Take-home (after fed income tax only)gross input minus federal income tax — excludes FICA / state$71,588.00
- 10% bracket ($0–$12,400)$12,400.00 → $1,240.00
- 12% bracket ($12,400–$50,400)$38,000.00 → $4,560.00
- 22% bracket ($50,400–$105,700)$34,600.00 → $7,612.00
22% marginal · 15.8% effective
Your status (single, 2026)
Effective 15.78% on $85,000.00 taxable income.
$13,412.00
If filed Single
Same taxable income, single filer.
$13,412.00
If filed Married Jointly
Same taxable income, MFJ — typically lowest tax for couples at higher brackets.
$9,704.00
If filed Married Filing Separately
Same taxable income, MFS — brackets identical to Single except the 35% bracket caps lower.
$13,412.00
If filed Head of Household
$11,601.00
Source: IRS Revenue Procedure 2025-32 — 2026 inflation-adjusted tax brackets and standard deduction.
Not financial advice — Federal-only — state income tax varies (CA/HI/NJ have their own progressive brackets; TX/FL/WA/NV/SD/AK/WY/TN/NH have none). FICA, ACA premium subsidies, AMT, and credits (CTC, EITC, etc.) are not modeled here. Standard deduction 2024: $14,600 single / $29,200 MFJ / $21,900 HoH; 2025: $15,000 / $30,000 / $22,500 (post-OBBBA: $15,750 / $31,500 / $23,625); 2026: $16,100 / $32,200 / $24,150 per Rev. Proc. 2025-32.
How to use this calculator
- Enter your taxable income — gross income minus standard deduction (or itemized).
- Pick the tax year (2024, 2025, or 2026).
- Select your filing status.
- Read the bracket-by-bracket breakdown to see where your income lands.
About this tool
The US federal income tax is progressive — different chunks of your income are taxed at different rates. This calculator walks the 2024, 2025, or 2026 federal tax brackets bracket-by-bracket so you can see exactly how much tax each portion of your income owes. The "marginal rate" is the rate on your next dollar earned (relevant for raise decisions), while the "effective rate" is your overall percentage (lower than marginal, because the lower brackets weighed your average down). Note: this assumes "taxable income" — that's your income after the standard or itemized deduction. Most filers use the standard deduction ($16,100 single / $32,200 MFJ for 2026).
Frequently asked
Marginal: rate on your next dollar (used for raise/investment decisions). Effective: total tax ÷ total income (your actual average). They differ because lower brackets pull your average down.
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