Tax Bracket Calculator
Estimate your 2025 federal marginal bracket and effective ordinary income tax rate.
Marginal federal bracket
22.0%
On taxable income above prior bracket
Estimated federal tax
$12,514
13.2% of gross income
Gross ordinary income
$95,000
Deduction used
$15,000
Taxable ordinary income
$80,000
Effective rate on taxable income
15.6%
Bracket breakdown
$1 - $11,925 at 10.0%
$11,925 taxed, $1,193
$11,926 - $48,475 at 12.0%
$36,550 taxed, $4,386
$48,476 - $103,350 at 22.0%
$31,525 taxed, $6,936
$103,351 - $197,300 at 24.0%
$0 taxed, $0
$197,301 - $250,525 at 32.0%
$0 taxed, $0
$250,526 - $626,350 at 35.0%
$0 taxed, $0
$626,351+ at 37.0%
$0 taxed, $0
Uses 2025 federal ordinary income brackets and standard deductions. Excludes credits, payroll tax, state tax, AMT, and investment-income rules.