See exactly where each band of your income gets taxed.
A progressive bracket calculator with current schedules for Kenya, Nigeria, South Africa, the UK (rUK), and the US (federal). Switch region, change the income, watch the bands fill.
Built and reviewed by Stephen Omukoko Okoth
Mathematical Economist · ex-Morgan Stanley FI · Equilar
Region
Pick a tax jurisdiction
Current schedule: Default · Generic four-band schedule. Replace with your own brackets in the tool.
Inputs
Annual income
Schedule
The bands you're paying into
| Band | Rate | Chargeable | Tax |
|---|---|---|---|
| $ 0 – up to $ 12.0K | 10% | $ 12.0K | $ 1.2K |
| $ 12.0K – up to $ 50.0K | 20% | $ 38.0K | $ 7.6K |
| $ 50.0K – up to $ 150.0K | 30% | $ 10.0K | $ 3.0K |
| $ 150.0K – and above | 35% | — | — |
Verdict
$ 11.8K owed.
Effective 19.7% • Marginal 30%.
The marginal rate is what you pay on the next dollar of income; the effective rate is what you actually paid across the whole salary. They diverge because the early bands have lower rates.
Result
Your tax this year
Tax owed
$ 11.8K
Take-home (before social)
$ 48.2K
Effective rate
19.7%
Marginal rate
30%
Taxable income
$ 60.0K
Tax before relief
$ 11.8K
Common questions
Is this tax calculation final?
It's accurate for the standard case at the schedule shown, but every region has reliefs, allowances, and edge cases (pension contributions, mortgage interest, dependents) that can change the answer. Treat the result as a strong directional estimate, not a filing.
What's the difference between marginal and effective tax rate?
Marginal rate is the rate you pay on your next dollar of income (the top band you've reached). Effective rate is total tax divided by total income. Effective is always lower than marginal once you cross the first band.
Why is the schedule different across regions?
Each country sets its own bands and rates. Kenya has flat 30% above ~KSh 388k; the UK uses a personal allowance plus three bands; the US has seven federal bands plus state. Switch regions to see the structure.
Are state/county taxes included?
No. The US tool shows federal only; UK is rUK (England/Wales/NI) without Scottish rates. For most other regions the national schedule is the dominant component.