Inputs
Bracket-by-bracket
| Bracket | Rate | Income in bracket | Tax on bracket |
|---|---|---|---|
| $0 - $12,400 | 10.00% | $12,400 | $1,240 |
| $12,400 - $50,400 | 12.00% | $38,000 | $4,560 |
| $50,400 - $105,700 | 22.00% | $33,500 | $7,370 |
What is the Tax Bracket Calculator?
A tax bracket calculator shows you exactly how progressive taxation breaks down for your income. Most people understand brackets in theory but mis-estimate their actual tax because they confuse marginal rates (the rate on your last dollar) with effective rates (the rate you actually pay on your whole income). This calculator shows both, plus the bracket-by-bracket breakdown.
8 jurisdictions: US Federal (single filer), California, New York, Texas, Florida, Washington, UK, and Canada federal. Tax authorities publish on different schedules, so the figures are not all from the same tax year: US Federal is 2026, UK is 2026-27, Canada federal is 2026, and California and New York are on their 2025 schedules, the newest those authorities have published. The tool states the tax year for whichever jurisdiction you pick. Optional deduction input. Browser-only -your income data never leaves the page.
How it works
Features
Why this calculator
Most people don't know the difference. Most calculators don't help. We show both, prominently labeled.
SmartAsset and TaxAct gate features behind paid filing. We do math, no promotions, no email gate.
US, UK, Canada in one tool. Useful for remote workers and international employees.
Your income is private. Other calculators log it. We never see it.
Who uses it
Real use cases
- You got a job offer at $180K and want to estimate take-home. Plug in $180K + the $16,100 2026 standard deduction. US Federal tax is ~$32K, effective rate 17.7%, marginal 24%. Take-home before state ~$148K.
- Same offer in California vs Texas. On the 2025 California schedule, CA adds about $13.2K state tax (effective 7.3% on top of federal). TX adds nothing. CA take-home ~$135K, TX ~$148K, a difference of roughly $13K/yr for the same nominal salary.
- You're considering a UK remote role at £80K. Calculator shows £19K tax, take-home £61K, effective rate 24.3%. Compare to your home jurisdiction.
- You moonlight at $25K side income. Add to your day-job income, see the marginal rate jump. Most side income gets taxed at your top bracket -usually 24-32%.
- Your accountant says you're in 'the 24% bracket'. Calculator confirms 24% is your marginal but your effective is much lower (~18%). Now you understand what they meant.
- You're explaining tax brackets in a personal-finance class. Walk through bracket-by-bracket on a $100K income. First slice 10%, next 12%, top 22%. On the 2026 federal schedule the effective rate is about 17% even though their highest bracket is 22%.
Compared with other calculators
| Feature | Molixa | SmartAsset | TaxAct | Calculator.net |
|---|---|---|---|---|
| Jurisdictions | US fed + 5 states + UK + CA | US-only | US-only | Multiple |
| Marginal + effective | Yes, both labeled | Just one | Just one | Yes |
| Bracket breakdown | Yes | Hidden | Yes | Yes |
| Free, no signup | Yes | Email gate | Email gate | Yes |
| Browser-only | Yes | Server | Server | Server |
Frequently asked questions
Is the tax calculator free?▾
Yes. Unlimited use, no signup. SmartAsset and TaxAct have free calculators but heavily push paid filing services; we do tax math only and stay out of your way.
Which jurisdictions are supported?▾
US Federal (single filer), California, New York, Texas, Florida, Washington (last three have no state income tax), UK (England/Wales/NI), Canada federal. Add state + federal manually for combined.
Which tax year do the figures come from?▾
It depends on the jurisdiction, and the tool states the year on screen when you pick one. US Federal uses 2026 figures (IRS Revenue Procedure 2025-32). UK uses the 2026-27 bands from gov.uk. Canada federal uses 2026 figures from canada.ca. California and New York use their 2025 schedules, which are the newest those two authorities have published. Texas, Florida and Washington levy no state income tax, so no year applies.
Are the California and New York figures current?▾
They are the newest schedules those states have published. California uses the 2025 Schedule X from the Franchise Tax Board and New York uses the 2025 single-filer schedule from the IT-201 instructions. Neither state had issued a 2026 schedule when these were last checked, so a 2026 estimate will shift once they do.
What's the difference between marginal and effective tax rate?▾
Marginal = the rate on your last dollar earned (the bracket you're in). Effective = total tax divided by gross income (the rate you actually pay on your whole income). Most people confuse them. Effective is always lower than marginal.
Why does my tax look low for $200K income?▾
Brackets are progressive. On the 2026 US federal schedule the first $12,400 is taxed at 10%, the next chunk at 12%, and so on. Even at $200K, only the top slice gets the highest rate. The bracket-by-bracket breakdown shows you exactly how much each layer contributes.
Are deductions handled?▾
Single deduction input that subtracts from gross before bracketing. It defaults to the 2026 US single-filer standard deduction of $16,100. Replace it with your own standard or itemized figure. We don't model specific credits like child tax credit or earned income credit.
What about FICA / Medicare / NI?▾
Not modeled. The calculator does income-tax brackets only. Add ~7.65% for FICA (US) or ~12% for NI (UK) for a complete take-home estimate.
Does this replace my tax software?▾
No. This shows tax bracket math. Real tax filing involves credits, phase-outs, AMT, capital gains, retirement contributions, state-specific deductions. Use this for planning and quick estimates, your tax software for filing.
Married filing jointly?▾
No. The current version is single-filer only. MFJ brackets are roughly double the single-filer thresholds, but the tool does not compute them.
Is my income data sent anywhere?▾
No. The calculator runs in your browser. Your income, deductions, and computed tax stay on your laptop. No upload, no log, no third-party analytics on the input.
Calculate your tax
8 jurisdictions, marginal + effective, bracket breakdown. Browser-only.
Open the tax calculatorThe Tax Bracket Calculator page is built, reviewed, and maintained by the Molixa team. We use the tool we ship and update the docs when the behavior changes.
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