Z

Income Tax Calculator

Estimate income tax using progressive tax brackets and see your effective and marginal rates.

Runs in your browser — files never leave your device

Tax
$6,053
Take-home
$43,947
Effective rate
12.11%
Marginal rate
22%

How it works

This is the country-neutral version of the income-tax estimator: a progressive-tax engine that turns one number — your annual taxable income — into four: estimated tax, take-home amount, effective tax rate and marginal tax rate. The generic page runs on a sample bracket schedule so you can see how progressive taxation behaves; the country versions linked below load real bracket sets into the same engine.

Progressive (bracket or slab) taxation slices income rather than taxing all of it at one rate: each slice between two thresholds is taxed at that bracket’s rate, and total tax = the sum of (income in each bracket × that bracket’s rate). Your marginal rate is the rate of the highest bracket your income reaches; your effective rate is total tax ÷ total income, never higher than the marginal rate. The sample schedule shipped here is a simplified four-band demonstration modeled on US federal single-filer figures:

  • 10% on income up to $11,600
  • 12% from $11,600 to $47,150
  • 22% from $47,150 to $100,525
  • 37% above $100,525

Worked example with the default $50,000 income. The first $11,600 is taxed at 10% = $1,160; the next $35,550 (from $11,600 to $47,150) at 12% = $4,266; the remaining $2,850 at 22% = $627. Total tax $6,053, take-home $43,947, effective rate 12.11%, marginal rate 22%. Note what did not happen: crossing into the 22% bracket did not re-tax the first $47,150 — only the slice above it.

For real figures, use the country versions, which plug actual bracket sets into the same engine — this build labels them for the 2025 tax year: the United States (federal single-filer), the United Kingdom (England, Wales and Northern Ireland, with the £12,570 personal allowance as a 0% band), Canada (federal brackets) and Australia (2024–25 resident rates). Open them here: United States, United Kingdom, Canada, Australia.

The engine taxes exactly the amount you enter and nothing else: no standard deductions, credits or allowances beyond what a bracket set encodes, and no payroll levies — US Social Security and Medicare, UK National Insurance, Canadian CPP/EI and the Australian Medicare levy are all out of scope, as are state and provincial taxes. Real take-home pay is therefore usually lower than shown. These are estimates — verify with official sources or a qualified tax professional.

Frequently asked questions

Which brackets does the generic version use?
A simplified four-band demonstration schedule — 10% up to $11,600, 12% to $47,150, 22% to $100,525 and 37% beyond — with thresholds modeled on US federal single-filer figures. It exists to show how progressive taxation behaves; for real numbers open the US, UK, Canada or Australia version.
What is the difference between effective and marginal rate?
The marginal rate is the bracket rate applying to your last unit of income — what one more unit earned would be taxed at. The effective rate is total tax divided by total income, a weighted average across all the brackets you pass through. At the default $50,000 the marginal rate is 22% but the effective rate is only 12.11%.
If a raise pushes me into a higher bracket, is all my income taxed at the higher rate?
No — only the slice above the threshold. On this schedule, $48,000 of income owes $5,613: the first $47,150 is taxed exactly as before and only the $850 above it at 22%. Under a purely progressive schedule a raise never reduces your take-home pay.
Which countries and years do the country versions cover?
United States, United Kingdom, Canada and Australia, each with the illustrative bracket set this build labels for the 2025 tax year (Australia’s reflects 2024–25 resident rates). India is covered separately by a dedicated tool that compares the old and new regimes.
What does the calculator leave out?
Deductions, credits and allowances (beyond a 0% band where a country’s schedule encodes one, such as the UK personal allowance), payroll and social-security levies, state, provincial and local taxes, and special-rate income such as capital gains. It estimates income tax on the taxable figure you enter — it is not a full payslip model.
Is this tax advice?
No — it is a planning estimate. Bracket figures are illustrative for the labeled year and simplify real law. Verify anything that matters with your tax authority’s official calculator or a qualified professional.
Is my income figure uploaded?
No — the calculation runs entirely in your browser.

Related tools