🇺🇸 US-only content: All tax figures, contribution limits, and forms (IRS, 401(k), IRA, Schedule C, QBI) apply to United States federal tax law only. Rules differ in other countries — consult a local tax professional.
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Tax Bracket Calculator

See where your income lands — marginal rate, effective rate, and total tax bill.

$10k$85,000$1M
$0$0$50k

Your Tax Picture

Marginal Rate

22%

Effective Rate

12.1%

Total Tax

$10,314

Take-Home

$74,686

Breakdown

Gross income$85,000
Standard deduction-$15,000
Pre-tax deductions-$0
Taxable income$70,000

Per Bracket

Bracket 10%$11,925 × 10% = $1,193
Bracket 12%$36,550 × 12% = $4,386
Bracket 22%$21,525 × 22% = $4,736

How to lower your tax bill

  • Max pre-tax accounts — 401(k) ($23,500), HSA ($4,300 individual), Traditional IRA ($7,000). Each dollar reduces your taxable income.
  • Bunch deductions — alternate years of itemizing (charity + mortgage interest + medical) with standard deduction years.
  • Tax credits > deductions — Child Tax Credit ($2,000/child), education credits, energy credits reduce your tax dollar-for-dollar.