Income Tax Bracket Calculator (Any Country)
Type your taxable income and your country's tax brackets (where each bracket starts and its rate, in any currency) to get the income tax, the effective rate and the marginal rate, with the tax in each bracket shown. Each rate applies only to the part of income inside its bracket. Leave unused rows empty. To see how it works first, fill the form with the worked example: the IRS 2025 brackets for a single filer in the United States.
This tool uses only the brackets you type. Allowances, deductions, credits, surcharges and special rates (for example on capital gains) are not included, so enter your income after allowances and deductions.
- Income tax · in your currency
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- Effective tax rate (tax ÷ income)
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- Marginal tax rate (rate on your top slice)
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- Income after tax · in your currency
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Checked 5 November 2026Tested: 20 casesSources: IRS Publication 17, IRS
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Assumptions (4)
- The brackets you type are the right ones for your country, tax year and filing status.
- Each rate applies only to the part of income above its bracket's start and up to the next bracket's start.
- The income you enter is already after allowances and deductions; no credit, surcharge or special rate is added.
- Tax is not rounded per bracket; the total is rounded to 2 decimals.
Show working
- For each bracket: income in the bracket = the smaller of (income, next bracket's start) − this bracket's start, and 0 if income does not reach it.
- Tax in the bracket = income in the bracket × rate ÷ 100. Income tax = the sum over all brackets.
- Effective tax rate = income tax ÷ income × 100. Marginal tax rate = the rate of the bracket your last unit of income falls in.
- Same result as a tax rate schedule's "base tax + rate × the amount over" (IRS Schedule X: 17,651.00 + 24% of the amount over 103,350).
Working, bracket by bracket
| Bracket | Rate | Income in this bracket | Tax |
|---|---|---|---|
| 0 – 11,925 | 10% | 11,925.00 | 1,192.50 |
| 11,925 – 48,475 | 12% | 36,550.00 | 4,386.00 |
| 48,475 – 103,350 | 22% | 54,875.00 | 12,072.50 |
| 103,350 – 197,300 | 24% | 16,650.00 | 3,996.00 |
| 197,300 – 250,525 | 32% | 0.00 | 0.00 |
| 250,525 – 626,350 | 35% | 0.00 | 0.00 |
| 626,350+ | 37% | 0.00 | 0.00 |
| Total | 120,000.00 | 21,647.00 |
Worked example
A taxable income of $120,000 on the IRS 2025 brackets for a single filer (Publication 17, Schedule X).
| You enter | |
|---|---|
| Taxable income | 120,000 |
| Bracket 1: starts from | 0 |
| Bracket 1: rate | 10 % |
| Bracket 2: starts from | 11,925 |
| Bracket 2: rate | 12 % |
| Bracket 3: starts from | 48,475 |
| Bracket 3: rate | 22 % |
| Bracket 4: starts from | 103,350 |
| Bracket 4: rate | 24 % |
| Bracket 5: starts from | 197,300 |
| Bracket 5: rate | 32 % |
| Bracket 6: starts from | 250,525 |
| Bracket 6: rate | 35 % |
| Bracket 7: starts from | 626,350 |
| Bracket 7: rate | 37 % |
| You get | |
| Income tax | 21,647.00 |
| Effective tax rate (tax ÷ income) | 18.04% |
| Marginal tax rate (rate on your top slice) | 24.00% |
| Income after tax | 98,353.00 |
Tax on 120,000 is 21,647.00, an effective rate of 18.04%. The top slice of your income is in bracket 4, taxed at 24%.
Questions (4)
Does moving into a higher bracket mean all my income is taxed at the higher rate?
No. Only the part of your income inside the higher bracket is taxed at that rate; the rest keeps the lower rates. The IRS puts it this way: "You pay the higher rate only on the part that's in the new tax bracket."
What is the difference between the effective and the marginal rate?
The effective rate is your total tax divided by your income, the average rate you pay. The marginal rate is the rate on your top slice of income, so it is what a little more income would be taxed at (at the exact start of a bracket, the next unit is taxed at the next bracket's rate).
My country's table shows a fixed amount plus a percentage. Which numbers do I type?
Type only where each bracket starts and its rate. The fixed amount in such a table is the tax on all the brackets below, which this tool adds up for you. For example, IRS Schedule X for 2025 shows 17,651.00 + 24% of the amount over 103,350; the working table here gives the same 17,651.00 for the first three brackets.
Why can my US result differ by a few dollars from the IRS Tax Table?
For taxable income under $100,000 the IRS Tax Table works in $50 steps, using the tax on the middle of each step. From $100,000 the Tax Computation Worksheet is used, which gives the exact amount this tool shows.
Sources and checks
- IRS Publication 17 (2025), Your Federal Income Tax: 2025 Tax Rate Schedules (Schedule X, Single, p. 125) and 2025 Tax Computation Worksheet (Section A, p. 123) · updated by the authority to 20 January 2026
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The answer uses only the brackets you type; it is not tax advice. Real tax can differ because of allowances, credits, surcharges, special rates and rounding rules (for example, the IRS Tax Table for US taxable income under $100,000 works in $50 steps). Check the official schedule from your tax authority. Results are estimates for information only and are not financial, tax or legal advice. Check important figures with a qualified professional before you act on them.