Estimate taxable income, effective rate, marginal rate, and federal income tax using filing status, gross income, and common pre-tax deductions. The calculator also shows a bracket-by-bracket breakdown, 401(k) what-if savings, and a single-versus-married comparison.
Planning estimate for federal income tax only. Standard deduction is auto-applied using these assumptions: $14,600 single, $29,200 married filing jointly, $21,900 head of household.
See which dollars fall into each bracket and how much tax each layer creates.
| Rate | Income in bracket | Tax from bracket | Visual share |
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These scenarios estimate how much federal income tax could drop if you contributed more pre-tax dollars, assuming room is available.
This quick comparison applies the same income and deductions to single and married filing jointly so you can see the rough marriage bonus or penalty at this income level.
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Positive savings for MFJ is shown as a marriage bonus. Extra tax is shown as a marriage penalty.
The Tax-Advantaged Accounts Master Guide helps you turn bracket math into contribution strategy, account priority, and smarter annual planning.
See the Tax-Advantaged Accounts Master GuideFederal income tax planning view only · No payroll taxes, credits, AMT, or state tax included