Current Federal Income Tax Rate

This is the federal tax rate your client expects to pay on taxable income until he or she begins taking withdrawals.

Use the table below to determine your client’s current tax bracket. Tax brackets and rates may change in the future. The analyzer applies the tax rate you enter to all taxable income until retirement.

Federal income tax brackets for 2025^*

Tax rate	Married, filing jointly or qualified widow(er)	Single Filers	Head of household	Married, filing separately
10%	$0 to $23,850	$0 to $11,925	$0 to $17,000	$0 to $11,925
12%	$23,851 to $96,950	$11,926 to $48,475	$17,001 to $64,850	$11,926 to $48,475
22%	$96,951 to $206,700	$48,476 to $103,350	$64,851 to $103,350	$48,476 to $103,350
24%	$206,701 to $394,600	$103,351 to $197,300	$103,351 to $197,300	$103,351 to $197,300
32%	$394,601 to $501,050	$197,301 to $250,525	$197,301 to $250,500	$197,301 to $250,525
35%	$501,051 to $751,600	$250,526 to $626,350	$250,501 to $626,350	$250,526 to $375,800
37%	$751,601 or more	$626,351 or more	$626,351 or more	$375,801 or more

^*This information is subject to change by the Internal Revenue Service (IRS).

Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.

Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.

Although target date portfolios are managed for investors on a projected retirement date time frame, the allocation strategy does not guarantee that investors' retirement goals will be met.

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