The federal tax rate you expect to pay on taxable income until you begin taking withdrawals. Use the table below to determine your 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*

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