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Defaults to US federal 2026 Single; choose Custom only when you have verified your own progressive table.
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Choose the period represented by the income amount.
Enter income before any allowance or deduction selected below.
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Enter a verified post-bracket offset; payable tax will not fall below zero.
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This changes the scenario artifact without changing the current estimate.
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Used only for Custom progressive brackets; example: 12400,10 then INF,12.
Examples: $, RM, S$, £, or €.
Keep the default or name the raise, bonus, or contract being compared.
Zero is neutral and selects an automatic ceiling.
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Cents is the default; whole units are useful for quick planning.
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BandRateTaxed amountTaxCopy
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ScenarioAnnual incomeTaxable incomeTax payableEffective rateCopy
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Selected source

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Table version: {{ estimate.source_version }} · reviewed {{ sourceReviewed }}.

Included calculation

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Before filing
  • Confirm tax year, residency, filing status, income type, deductions, credits, and rebate eligibility with the tax authority or a qualified adviser.
  • This estimate excludes special income rules, payroll/social taxes, state or local tax, withholding, treaties, surcharges, and authority-specific filing mechanics unless explicitly entered.
  • Use the selected authority's own calculator or return instructions for a filing decision.
Effective Tax Rate Calculator Calculate effective tax rates from current bracket presets or completed totals with clear income bases, included taxes, and extra-income comparisons.
Paycheck Calculator Estimate 2026 U.S. take-home pay for hourly or salaried work with federal income tax, FICA and deductions plus user-entered local withholding.
Payroll Proration Calculator Calculate partial-period gross pay by calendar or workday policy, then compare fixed and custom denominators with final rounding.
Sales Tax Calculator Calculate sales tax from a pre-tax price, tax-included total, or receipt tax line with clear cent-rounding and taxable-base checks.

A tax bracket does not apply one rate to all income. In a progressive system, each slice of taxable or chargeable income is taxed at the rate for that band. Reaching a higher band changes the marginal rate on the next slice, not the rate on income already assigned to lower bands.

The correct starting number is just as important as the rates. Official tables normally apply after allowable deductions, reliefs, or a personal allowance. Entering gross income as though it were taxable income can overstate tax; subtracting an allowance that does not apply can understate it.

TermMeaningCommon mistake
Annual incomeIncome before the selected allowance or manual deductionsMixing a monthly amount with annual brackets
Taxable or chargeable incomeThe amount that enters the bracket tableSubtracting the same relief twice
Marginal rateThe rate on the highest occupied bandApplying it to all income
Effective rateTax payable divided by taxable incomeConfusing it with tax divided by gross income
Credit or rebateAn offset applied after bracket taxEntering a deduction as a credit

Jurisdiction, tax year, residence, filing status, and income type can all change the answer. The same nominal income may face progressive bands, a flat rate, a tapered allowance, or a rule that chooses the higher of two calculations. Currency symbols do not perform exchange-rate conversion.

An added-income scenario helps show the tax cost of a raise, bonus, or contract under the same assumptions. It is not a withholding schedule or a prediction of cash received. Payroll deductions, social insurance, special income, local taxes, treaties, surcharges, and filing-specific adjustments may sit outside a basic income-tax estimate.

Use an estimate to understand bracket mechanics and prepare questions. Confirm the selected table and every claimed deduction, relief, credit, or rebate with the relevant tax authority or a qualified adviser before filing or making a payment decision.

How to Use This Tool:

Choose the legal table and income basis before entering money.

  1. Select the Tax table that matches jurisdiction, tax year, residence, and filing status. Use a custom table only after checking every threshold and rate.
  2. Choose Taxable / chargeable income when deductions are already reflected. Use a gross-income option only when the preset allowance or your verified manual deductions should be subtracted here.
  3. Set the income period and amount. Monthly income is multiplied by 12; the scenario amount is always additional annual income.
  4. Enter only verified deductions, reliefs, credits, or rebates. Credits reduce bracket tax but cannot push payable tax below zero.
  5. Compare the Tax ledger, Bracket allocation, and Scenario comparison, then read Filing notes for the selected table's scope and source.

Interpreting Results:

Tax payable is bracket or flat-rate tax after the entered credit or rebate. After-tax income subtracts that tax from annual income only; it does not subtract payroll contributions, withholding, or other costs.

  • Use Bracket allocation to see how much taxable income falls into each band. An empty higher band contributes zero tax.
  • Read marginal and effective rates separately. The marginal rate describes the highest occupied band; the effective rate averages payable tax across taxable income.
  • The scenario delta isolates the added annual income under the same table, deductions, and credit. Fixed credits can make the comparison behave differently from a simple marginal-rate multiplication.
  • Whole-unit display rounding changes only what is shown. Underlying calculation values retain full precision.
  • Verify the source version and scope note before relying on the estimate. A correct bracket calculation can still be the wrong tax calculation for the person or income type.

Technical Details:

The calculation annualizes monthly income first, then derives taxable or chargeable income, applies the selected table, clips credits to gross tax, and derives rates and comparison values. Bracket edges and rates remain in the selected currency; no exchange conversion occurs.

Formula Core:

Let Y be annual income, A the preset allowance, D manual deductions, and T taxable or chargeable income.

Y=monthly income×12 T=max(0,Y−A−D) AUK=max(0,12570−max(0,Y−100000)2)

For taxable-income mode, both allowance and manual deductions are zero in the calculation. Fixed U.S. standard deductions or the UK taper apply only in preset-gross mode. Malaysia, Singapore, non-resident, and custom tables have no automatic allowance and use verified manual deductions when gross-manual mode is selected.

For progressive bands with lower edge li, upper edge ui, and rate ri, each band taxes only its occupied slice.

xi=max(0,min(T,ui)−li) Taxgross=∑inxiri Taxpayable=max(0,Taxgross−min(Credit,Taxgross)) Rateeffective=TaxpayableT

When taxable income is zero, effective rate is zero. Monthly tax is annual payable tax divided by 12. The separate annual effective rate divides payable tax by annual income.

Rule Core:

ModeExact rule
ProgressiveTax each positive slice up to its upper edge. Income exactly at an edge has no amount in the next band.
FlatMultiply all taxable or chargeable income by the listed flat rate.
Singapore non-resident employmentCalculate 15% flat tax and resident progressive tax, then use the higher tax amount. A tie selects the flat result.
UK allowance taperReduce the £12,570 Personal Allowance by £1 for every £2 of annual income above £100,000, reaching zero at £125,140.
Custom tableRequire at least two strictly increasing positive upper limits, a final INF row, and rates from 0% through 100%.
ScenarioAdd the scenario amount to annual income, then repeat the same allowance, deduction, bracket, and credit process.

Lookup Core:

The following tables reproduce the preset edges used by the calculation. Each number is the cumulative upper edge of that rate band; the final rate applies above the last finite edge.

United States federal, tax year 2026

RateSingleMarried jointMarried separateHead of household
10%$12,400$24,800$12,400$17,700
12%$50,400$100,800$50,400$67,450
22%$105,700$211,400$105,700$105,700
24%$201,775$403,550$201,775$201,750
32%$256,225$512,450$256,225$256,200
35%$640,600$768,700$384,350$640,600
37%AboveAboveAboveAbove

The preset standard deductions are $16,100 for Single and Married filing separately, $32,200 for Married filing jointly, and $24,150 for Head of household. Eligibility and additional deductions are not inferred.

United Kingdom, 2026/27

RegionRateCumulative upper edge after allowance
England, Wales, Northern Ireland20%£37,700
England, Wales, Northern Ireland40%£125,140
England, Wales, Northern Ireland45%Above
Scotland19%£3,967
Scotland20%£16,956
Scotland21%£31,092
Scotland42%£62,430
Scotland45%£125,140
Scotland48%Above

Malaysia, Year of Assessment 2025

RateCumulative chargeable-income upper edge
0%RM5,000
1%RM20,000
3%RM35,000
6%RM50,000
11%RM70,000
19%RM100,000
25%RM400,000
26%RM600,000
28%RM2,000,000
30%Above

The Malaysia non-resident preset applies a 30% flat rate for the 2020 to 2025 source period. It does not apply resident reliefs.

Singapore, Year of Assessment 2026

RateCumulative chargeable-income upper edge
0%S$20,000
2%S$30,000
3.5%S$40,000
7%S$80,000
11.5%S$120,000
15%S$160,000
18%S$200,000
19%S$240,000
19.5%S$280,000
20%S$320,000
22%S$500,000
23%S$1,000,000
24%Above

Non-resident employment uses the higher of 15% flat tax or the resident progressive result. The non-resident director and other-income preset uses 24% flat tax; reduced withholding cases are outside its scope.

Accuracy Notes:

This is an educational estimate, not tax, legal, or financial advice. It calculates only the ordinary bracket or documented flat-rate mechanics described by the selected preset.

  • Confirm tax year, residence, filing status, and income type. A source table can be current but still inapplicable.
  • The UK allowance taper uses entered annual income as its planning base. Confirm the authority's adjusted-net-income rules before filing.
  • Special income, filing thresholds, payroll or social taxes, state or local tax, withholding, treaties, surcharges, and authority-specific filing rules are excluded unless explicitly represented.
  • Relief, deduction, credit, and rebate eligibility is not checked. Enter only amounts supported by the authority's current rules.
  • Use the authority's return instructions or official calculator for filing and payment decisions.

Worked Examples:

U.S. 2026 Single taxable income

Monthly taxable income of $8,000 annualizes to $96,000. The first $12,400 contributes $1,240, the next $38,000 contributes $4,560, and the remaining $45,600 contributes $10,032. Tax payable is $15,832 before other taxes, with a 22% marginal rate and about 16.49% effective rate. Adding $12,000 raises modeled tax by $2,686 because the scenario crosses into the 24% band.

UK allowance taper

Gross preset income of £110,000 reduces the £12,570 Personal Allowance by £5,000, leaving £7,570. Taxable income is £102,430. Under the England, Wales, and Northern Ireland table, £37,700 at 20% and £64,730 at 40% produce £33,432 before any entered credit.

References: