Marginal and effective breakdown, standard vs itemized.
Open the Federal Income Tax tool →We start from your income and subtract the larger of the standard deduction or your itemized 'big four', state and local taxes (capped at $10,000), mortgage interest, charitable gifts, and medical expenses above 7.5% of your income. Then we apply the IRS marginal brackets for your filing status.
Your effective rate is total tax ÷ income. Your marginal rate is the bracket your next dollar of income lands in, handy for weighing a raise or a pre-tax contribution.
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