Tax Calculator
Enter your gross income and any deduction, and see the estimated tax under a three-bracket progressive model — plus the effective rate, the marginal rate and what lands in your pocket.
Model brackets: 10% on the first 10,000 · 20% up to 40,000 · 30% above. Illustrative only — check your country's official rates for real filing.
Effective versus marginal rate
The marginal rate is the percentage charged on your last unit of income — the bracket your top slice falls into. The effective rate is what you actually pay overall: total tax ÷ taxable income. Because lower slices are taxed at lower rates, the effective rate is always below the marginal one, and the gap widens as income rises.
This distinction drives most tax misconceptions. Moving into a higher bracket never reduces your net income — only the slice above the threshold is charged at the higher rate.
How deductions fit in
The deduction reduces taxable income before the brackets apply. A 5,000 deduction on a 75,000 income makes 70,000 taxable — and because it comes off the top, it saves you your marginal rate on every unit deducted, not the effective rate.
The brackets in this calculator are a teaching model (10% / 20% / 30%), deliberately not tied to any country so the mechanics stay clear. For a real filing, replace the numbers with your jurisdiction's official schedule — the arithmetic is identical.
Frequently asked questions
Are these the official tax rates of my country?
No. The brackets (10% / 20% / 30%) are an illustrative model so the progressive mechanics are easy to see. For real amounts, use your tax authority's schedule — the calculation method is the same.
Why is my effective rate lower than my marginal rate?
Because each bracket only applies to the slice of income inside it. Your first units are taxed at the lowest rate, so the blended (effective) percentage is always below the rate on your top slice.
Can a raise make me poorer by moving brackets?
Not through bracket movement alone. Only the income above the threshold is taxed at the higher marginal rate — the rest keeps its lower rate, so net income always rises with gross income.
How is the deduction treated?
It reduces taxable income before the brackets are applied, which is worth your marginal rate on every unit deducted. Credits (which reduce tax directly) work differently and are not modelled here.
Does it handle social contributions?
No — this models a single progressive income tax. Social insurance contributions, which are usually separate and often flat up to a cap, must be added for a full payslip estimate.
Can I share a specific estimate?
Yes — income and deduction travel in the URL, so a shared link reopens the exact numbers.