Tax Calculator
Compute income tax from a bracket table you supply, with a per-band breakdown, effective and marginal rates, and an optional second contribution layer with its own thresholds.
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Your brackets, not a guess at your country
Tax calculators that ship built-in rates go stale within a year and are wrong for anyone in a different region, filing status or year. This one carries no rates at all. You give it the bracket table and it does the arithmetic exactly, which makes it useful for any jurisdiction, for modelling a proposed change, for historical years, and for the kind of what-if that a fixed calculator cannot answer. The brackets shipped as a starting point are round illustrative numbers rather than any real country, so there is nothing to mistake for an authoritative figure.
Marginal and effective are different numbers for different questions
The marginal rate is what the next unit of income is taxed at, and it governs any decision about extra work, a bonus or a pension contribution. The effective rate is total tax divided by total income, and it governs comparisons between years or places. Both are reported here because using one where the other belongs is the most common error in informal tax reasoning, and the gap between them is usually large.
A raise cannot leave you worse off
Under a progressive system each slice of income is taxed at its own rate, so crossing a threshold raises the rate only on the part above it. The widespread belief that a small raise can push you into a higher bracket and reduce take-home pay is simply false for bracket-based tax. It can be true where a benefit or allowance is withdrawn at a cliff edge rather than tapered, which is a separate mechanism and not one this tool models unless you encode it in the bracket table yourself.
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Frequently Asked Questions
Does this know my country tax rates?
No, deliberately. It carries no built-in rates for anywhere. You supply the bracket table and it computes that exactly, which keeps it correct for any jurisdiction and any year rather than going stale.
What is the difference between marginal and effective rate?
Marginal is the rate on your next unit of income, which matters for decisions about bonuses or extra work. Effective is total tax over total income, which matters for comparing years or places. Both are shown.
Can a pay rise leave me worse off?
Not through tax brackets. Only the income above a threshold is taxed at the higher rate, so more gross always means more net. It can happen where a benefit is withdrawn at a cliff edge, which is a different mechanism entirely.
How do I write the bracket table?
One line per band as "threshold rate label", so "45000 25 basic rate" means income above 45,000 is taxed at 25 per cent until the next threshold. Lines may be in any order and anything after a # is ignored.
What is the second contribution for?
Most systems layer a social insurance charge on top of income tax with its own thresholds, frequently charged on gross rather than on income after the allowance. Enabling it models that second layer separately.
Is this tax advice?
No. It is arithmetic on the numbers you enter. Whether those brackets are the right ones for your circumstances is a question for your jurisdiction rules or an accountant.
Privacy & Security
Everything runs in your browser; nothing is uploaded.
How to Use
Enter income and your bracket table.
Disclaimer: This tool is provided "as is" without warranty of any kind. Results are for educational and utility purposes.
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