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Tax Bracket Calculator

FREE

Calculate your marginal vs effective tax rate and optimize deductions

Income & Budgeting

Inputs

Enter your information

How It Works

1Enter your annual income and filing status
2Add above-the-line deductions (401k, IRA, HSA)
3Choose standard or itemized deductions
4See marginal rate (your top bracket) vs effective rate (actual %)
5Get personalized tax-saving recommendations

Assumptions

•Uses 2026 federal tax brackets
•Standard deduction: $30,000 married / $15,000 single
•401(k) limit: $23,500 ($31,000 with catch-up)
•HSA limit: $8,300 family / $4,150 individual
•State tax calculated as flat rate on AGI
•Does not include FICA, AMT, or phase-outs

⚡Pro Features

✓Upload W-2 - AI auto-fills income and withholdings
✓Upload 1099s - AI calculates self-employment tax
✓Ask AI Copilot: "What tax moves should I make before year-end?"
+5 more

Results

Fill in the inputs to see your results

Enter your data to calculate

How This Calculator Works

1Enter your annual income and filing status
2Add above-the-line deductions (401k, IRA, HSA)
3Choose standard or itemized deductions
4See marginal rate (your top bracket) vs effective rate (actual %)
5Get personalized tax-saving recommendations

⚡Unlock Pro Features

✓Upload W-2 - AI auto-fills income and withholdings
✓Upload 1099s - AI calculates self-employment tax
✓Ask AI Copilot: "What tax moves should I make before year-end?"
✓Compare salary vs bonus tax treatment
✓Calculate impact of moonlighting income on taxes
✓Optimize timing of income and deductions
✓State-specific tax optimization (CA, NY, TX, etc.)
✓Export tax planning report for CPA

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