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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.