Marginal Tax Rate Calculator

Calculate your marginal and effective federal tax rates using 2026 US tax brackets. See how progressive taxation works.

Tax Disclaimer

This calculator provides estimates based on general tax rules and may not reflect your specific situation. Tax laws vary by jurisdiction and change frequently. Consult a qualified tax professional or CPA for advice tailored to your circumstances.

Inputs

Gross Annual Income ($)

Itemized Deductions ($)

Filing Status (0=Single, 1=MFJ)

State Income Tax Rate (%)

Additional Income to Test ($)

Tab to move between fields

Results

Marginal Tax Rate (%)

22%

Effective Federal Rate (%)11.61%

Effective Total Rate (%)15.66%

Federal Tax Owed ($)$9,870.00

State Tax Owed ($)$3,445.00

Total Tax ($)$13,315.00

After-Tax Income ($)$71,685.00

Taxable Income ($)$68,900.00

Tax on Additional Income ($)$2,200.00

Biweekly Take-Home ($)$2,757.12

Marginal On Additional22

Figures current as of 2026. Source: IRS Rev. Proc. 2025-32

How to Use This Calculator

Enter your gross annual income.
Enter itemized deductions if greater than the standard deduction; otherwise leave at $0.
Set the filing status: 0 for single, 1 for married filing jointly.
Enter your state income tax rate (0% for Texas, Florida, and other no-income-tax states).
Add an additional income amount to see the marginal tax on earning more.
Review your marginal rate, effective federal rate, total tax owed, and biweekly take-home pay.

What each input means

Gross Annual Income ($): Total annual income before deductions and taxes.
Itemized Deductions ($): Total itemized deductions. If less than standard deduction, standard deduction is used automatically.
Filing Status (0=Single, 1=MFJ): 0 for Single, 1 for Married Filing Jointly.
State Income Tax Rate (%): Your state income tax rate (0% for states like TX, FL, WA).
Additional Income to Test ($): Enter an amount to see the marginal tax on earning this much more.

What each result means

Marginal Tax Rate (%): Tax rate on your last dollar of income — the bracket you're in.
Effective Federal Rate (%): Average federal tax rate across all income (total tax / gross income).
Effective Total Rate (%): Combined federal + state effective tax rate.
Federal Tax Owed ($): Total federal income tax calculated through progressive brackets.
State Tax Owed ($): Estimated state income tax based on your state rate.
Total Tax ($): Combined federal and state income tax.
After-Tax Income ($): Annual take-home income after all income taxes.
Taxable Income ($): Income subject to tax after deductions.
Tax on Additional Income ($): Federal tax you'd owe on the additional income amount.
Biweekly Take-Home ($): Estimated take-home pay per biweekly paycheck (26/year).

How this is calculated

Worked example, using the default values

Identify Input Parameters
4 parameters
Gross Annual Income ($) = 85000, Itemized Deductions ($) = 0, Filing Status (0=Single, 1=MFJ) = 0, State Income Tax Rate (%) = 5 = 5 input(s) provided
Calculate Marginal Tax Rate
Marginal Tax Rate = getMarginalRate(taxableIncome, brackets)
22 = 22%
Calculate Effective Federal Rate
11.61 = 11.61%
Calculate Effective Total Rate
15.66 = 15.66%

Figures and sources

2026 federal income tax brackets (2026) — IRS Rev. Proc. 2025-32

Engine last updated July 26, 2026. Checked against 3 independently-derived tests — how we verify calculators.

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