Financial Toolset

Effective Tax Rate Calculator - Your True Tax Rate Explained

Calculate your effective tax rate vs marginal rate.

See how much of each dollar you keep and compare rates across income levels with 2024 federal tax brackets.

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Sources & References

Federal Income Tax Brackets (2025)

Ordinary income is taxed at graduated rates from 10% to 37% based on filing status and income level.
→Source: IRS - Federal Income Tax Rates and Brackets(2025)

Capital Gains Tax Rates (2025)

• Short-term capital gains (assets held ≤1 year): Taxed at ordinary income rates (10-37%)
• Long-term capital gains (assets held >1 year): 0%, 15%, or 20% based on income
→Source: IRS Topic 409 - Capital Gains and Losses(2025)

State Tax Rates

State income tax rates vary from 0% (no state income tax) to 13.3% (California top rate).
→Source: Tax Foundation - State Income Tax Rates(2025)

Qualified Dividends

Qualified dividends are taxed at the same preferential rates as long-term capital gains (0%, 15%, or 20%).
→Source: IRS Topic 404 - Dividends(2025)

Note

Tax laws change frequently. These rates are current as of 2025. Always consult a tax professional for personalized advice.

⚠️ Note