Tax Bracket Calculator

Find your marginal and effective tax rate, plus a breakdown of which income falls in which bracket.

Annual income

Country

22%

Marginal: 22% · Effective: 14.5%

How Your Income Is Taxed

Band	Rate	Income in this band	Tax
Total tax			$0

2026 Tax Bands (Quick Reference)

🇺🇸 US Federal (Single)

10% — up to $11,925
12% — $11,925 to $48,475
22% — $48,475 to $103,350
24% — $103,350 to $197,300
32% — $197,300 to $250,525
35% — $250,525 to $626,350
37% — above $626,350

🇬🇧 UK (Income Tax, England)

0% (Personal Allowance) — up to £12,570
20% (Basic) — £12,570 to £50,270
40% (Higher) — £50,270 to £125,140
45% (Additional) — above £125,140

Plus Class 1 National Insurance: 8% on £12,570–£50,270, 2% above.

FAQ

What's the difference between marginal and effective tax rate?

Marginal = the rate on your next dollar of income (your top bracket). Effective = total tax paid ÷ total income (much lower). Someone 'in the 32% bracket' typically pays an effective rate of 18–22%.

Do tax bracket changes affect all my income?

No. Brackets are marginal — only income within each bracket is taxed at that bracket's rate. Crossing a bracket boundary by $1 doesn't increase tax on previous dollars.