Effect Tax Rate Calculator
US, 2025 tax year · figures follow that year's rules
Effect tax rate calculator works out Taxable income and Adjusted gross income (AGI) from Gross income for the year, Filing status and Tax year. The default figures on this page give effective tax rate of 11.94 %; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
6 steps
- Adjusted gross income = 85000 - 0 adjustments = 85000
- Less the standard deduction of 15750 gives taxable income 69250
- 10% on 11925 (from 0 to 11925) = 1192.5
- 12% on 36550 (from 11925 to 48475) = 4386
- 22% on 20775 (from 48475 to 103350) = 4570.5
- That puts the last dollar in the 22% bracket (taxable income $48,475 to $103,350).
Tax by brackettable
| rate | from | to | taxableAmount | tax |
|---|---|---|---|---|
| 10% | 0 | 11,925 | 11,925 | 1,192.5 |
| 12% | 11,925 | 48,475 | 36,550 | 4,386 |
| 22% | 48,475 | 103,350 | 20,775 | 4,570.5 |
Figures from US federal tax tables (IRS), 2026 rules, checked 31 August 2026. Its 12 worked examples are re-run on every release, last on 15 September 2026. What changed · how reference data is kept current
Sources and references
9 sources
Keep this result
Save it, change one figure, then compare the two
The calculation stays free. Save this scenario, adjust one assumption, save that too, and put them side by side to see exactly what the change costs you. A free account keeps 5 scenarios and 2 comparisons; Personal makes both unlimited and adds exports and private links. Nothing is saved unless you press Save.
What the effect tax rate calculator calculates
Computes federal income tax liability, the bracket-by-bracket breakdown, effective and marginal rates, and the resulting refund or balance due.
How to use this effect tax rate calculator
Enter Gross income for the year, Filing status, Tax year and Deduction. Taxable income updates as you type. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Taxable income, Adjusted gross income (AGI) and Modified adjusted gross income (MAGI).
The method follows IRS Revenue Procedure 2024-40, inflation-adjusted items for tax year 2025, IRS Revenue Procedure 2025-32, modifying Rev. Proc. 2024-40 for the One Big Beautiful Bill ACT (P.L. 119-21), IRS, Federal income tax rates and brackets, Social Security Administration, Contribution and Benefit Base and 26 U.S.C. 36B(d)(2)(B) - modified adjusted gross income is AGI plus tax-exempt interest, excluded foreign earned income and the non-taxable part of Social Security benefits.
What you can compare
Change one input at a time to see how it affects Taxable income, Adjusted gross income (AGI) and Modified adjusted gross income (MAGI). The inputs you can vary are Gross income for the year, Filing status, Tax year, Deduction, Itemized deduction total and Adjustments to income.
Understanding Taxable income, Adjusted gross income (AGI) and Modified adjusted gross income (MAGI)
An estimate based on published IRS rate tables. It does not model every credit, phase-out, AMT, or state tax. Confirm with a tax professional or IRS guidance before relying on it.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
See something wrong? Report a problem with this calculator
Frequently asked questions
How do I calculate my effective tax rate?
Computes federal income tax liability, the bracket-by-bracket breakdown, effective and marginal rates, and the resulting refund or balance due. Open “How this is worked out” beside the result to see each step for your own figures.
How to calculate the tax effect?
It needs Gross income for the year, Filing status, Tax year, Deduction, Itemized deduction total and Adjustments to income. Nothing else is required, and the figures stay in your browser.
What income puts you in the 22% tax bracket?
Computes federal income tax liability, the bracket-by-bracket breakdown, effective and marginal rates, and the resulting refund or balance due. On this page it is computed from Gross income for the year, Filing status and Tax year and shown as Taxable income, Adjusted gross income (AGI) and Modified adjusted gross income (MAGI).
What information do I need for the effect tax rate calculator?
You need Gross income for the year, Filing status, Tax year, Deduction, Itemized deduction total, Adjustments to income, Tax credits and Federal tax already withheld. The page opens with default figures that give effective tax rate of 11.94 %, so you can see the scale before entering your own.
What does this effect tax rate calculator show?
It shows Taxable income, Adjusted gross income (AGI), Modified adjusted gross income (MAGI), Federal income tax, Self-employment tax, Long-term capital gains tax, Total tax and Tax after credits, with the working and any warnings for your entries.
Can I check how the effect tax rate calculator result was calculated?
Yes. The “How this is worked out” section shows the calculation steps, and the sources section identifies the references used for the method.