Tax Bracket Calculator
Estimate your federal marginal bracket and effective ordinary income tax rate for 2025 or 2026.
Marginal federal bracket
22.0%
On taxable income above prior bracket
Estimated federal tax
$12,070
12.7% of gross income
Gross ordinary income
$95,000
Deduction used
$16,100
Taxable ordinary income
$78,900
Effective rate on taxable income
15.3%
Bracket breakdown
$1 - $12,400 at 10.0%
$12,400 taxed, $1,240
$12,401 - $50,400 at 12.0%
$38,000 taxed, $4,560
$50,401 - $105,700 at 22.0%
$28,500 taxed, $6,270
$105,701 - $201,775 at 24.0%
$0 taxed, $0
$201,776 - $256,225 at 32.0%
$0 taxed, $0
$256,226 - $640,600 at 35.0%
$0 taxed, $0
$640,601+ at 37.0%
$0 taxed, $0
Uses official 2026 federal ordinary income brackets and post-OBBBA standard deductions. Excludes credits, payroll tax, state tax, AMT, and investment-income rules.