Marginal vs Effective Tax Rate Calculator
Understand your marginal and effective federal tax rates and view how the effective rate climbs as income increases.
Your numbers
- Marginal rate
- 22%
- Federal tax
- $17,570
- Tax on next $10,000
- $2,364
- Effective
- Marginal
How the marginal vs effective tax rate calculator works
Effective rate = total tax ÷ gross income. Marginal rate is the bracket applied to your next dollar of taxable income.
Example
Using the default inputs (Gross income: $120,000; Filing status: Single), the calculator returns effective rate of 14.64%. Change any field above to see your own result and charts update instantly.
Good for these goals
Frequently asked questions
Does a raise ever reduce my take-home pay?
No. Only the extra dollars above a bracket threshold are taxed at the higher rate.
Which rate matters for decisions?
Use marginal rate for deductions or Roth/traditional choices; use effective rate to judge overall burden.
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Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.