Total tax divided by total income: the average rate you actually paid, as opposed to the marginal rate on your last dollar.
People plan around the marginal rate and are surprised by the effective rate. A 35 percent marginal bracket often produces a 22 to 26 percent effective rate once lower brackets and deductions are counted.
The marginal rate. Every additional dollar of income or deduction is taxed or saved at the margin, not at the average.
Last reviewed September 15, 2026. Tax rules change; confirm current law before acting.
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