{"id":2972,"date":"2024-01-10T11:07:31","date_gmt":"2024-01-10T11:07:31","guid":{"rendered":"https:\/\/thebankingguides.com\/?p=2972"},"modified":"2024-01-10T12:56:01","modified_gmt":"2024-01-10T12:56:01","slug":"federal-income-tax-brackets","status":"publish","type":"post","link":"https:\/\/thebankingguides.com\/federal-income-tax-brackets\/","title":{"rendered":"2023-2024 Tax Brackets and Federal Income Tax Brackets"},"content":{"rendered":"<div class=\"fpm_start\"><\/div>\n\n<p>Seven<strong> <a href=\"https:\/\/thebankingguides.com\/your-businesss-payroll-process\/\" data-type=\"link\" data-id=\"https:\/\/thebankingguides.com\/your-businesss-payroll-process\/\">federal income tax brackets<\/a><\/strong> and rates in 2023 and 2024. 10 percent, 12%, 22 percent, 24%, 32 35%, and 37 percent.\u00a0Your tax-deductible income and tax filing status determine which tax rates apply to you.<\/p>\n\n\n\n<p>The U.S. <strong>federal tax rates<\/strong> are expected to remain the same until 2025 due to the Tax Cuts and Jobs Act of 2017. However, the income thresholds that determine the brackets in taxation are typically adjusted every year to be in line with the rate of inflation.<\/p>\n\n\n\n<p>These adjustments will help to stop taxpayers from falling into an upper tax bracket as their living expenses rise which is commonly referred to as <strong>&#8220;<a href=\"https:\/\/thebankingguides.com\/your-businesss-payroll-process\/\" data-type=\"link\" data-id=\"https:\/\/thebankingguides.com\/your-businesss-payroll-process\/\">bracket creep<\/a><\/strong>.&#8221; The bracket adjustments could also help lower taxes for those whose income is not keeping up with the rate of inflation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2023 tax brackets (tax returns filed April 2024)<\/h2>\n\n\n\n<p><strong>Federal income tax returns<\/strong> for 2023 must be filed on the 15th of April, 2024, or on October 15, 2024, if there is the possibility of a\u00a0time extension.\u00a0The tax rate is seven to consider: 10 percent, 12% 22 percent, 24%, 32 35%, and 37%.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Tax brackets 2023<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tax Rate<\/th><th>Single<\/th><th>Married filing jointly<\/th><th>Married filing separately<\/th><th>Head of household<\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $11,000.<\/td><td>$0 to $22,000.<\/td><td>$0 to $11,000.<\/td><td>$0 to $15,700.<\/td><\/tr><tr><td>12%<\/td><td>$11,001 to $44,725.<\/td><td>$22,001 to $89,450.<\/td><td>$11,001 to $44,725.<\/td><td>$15,701 to $59,850.<\/td><\/tr><tr><td>22%<\/td><td>$44,726 to $95,375.<\/td><td>$89,451 to $190,750.<\/td><td>$44,726 to $95,375.<\/td><td>$59,851 to $95,350.<\/td><\/tr><tr><td>24%<\/td><td>$95,376 to $182,100.<\/td><td>$190,751 to $364,200.<\/td><td>$95,376 to $182,100.<\/td><td>$95,351 to $182,100.<\/td><\/tr><tr><td>32%<\/td><td>$182,101 to $231,250.<\/td><td>$364,201 to $462,500.<\/td><td>$182,101 to $231,250.<\/td><td>$182,101 to $231,250.<\/td><\/tr><tr><td>35%<\/td><td>$231,251 to $578,125.<\/td><td>$462,501 to $693,750.<\/td><td>$231,251 to $346,875.<\/td><td>$231,251 to $578,100.<\/td><\/tr><tr><td>37%<\/td><td>$578,126 or more.<\/td><td>$693,751 or more.<\/td><td>$346,876 or more.<\/td><td>$578,101 or more.<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">The income thresholds of the tax brackets for 2023 were increased substantially &#8212; about 7 percent from 2022, due to<strong>\u00a0<a href=\"https:\/\/thebankingguides.com\/your-businesss-payroll-process\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/thebankingguides.com\/your-businesss-payroll-process\/\" rel=\"noreferrer noopener\">the record-breaking inflation<\/a><\/strong>.\u00a0This means that some individuals could find themselves in lower tax brackets than previously. Learn more information about tax rates for 2023 and the taxes due for each tax status across the taxable income brackets below.<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2023 tax brackets: single filers<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tax Rate<\/th><th>Taxable income bracket<\/th><th>Tax owed<\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $11,000.<\/td><td>10% of taxable income.<\/td><\/tr><tr><td>12%<\/td><td>$11,001 to $44,725.<\/td><td>$1,100 plus 12% of the amount over $11,000.<\/td><\/tr><tr><td>22%<\/td><td>$44,726 to $95,375.<\/td><td>$5,147 plus 22% of the amount over $44,725.<\/td><\/tr><tr><td>24%<\/td><td>$95,376 to $182,100.<\/td><td>$16,290 plus 24% of the amount over $95,375.<\/td><\/tr><tr><td>32%<\/td><td>$182,101 to $231,250.<\/td><td>$37,104 plus 32% of the amount over $182,100.<\/td><\/tr><tr><td>35%<\/td><td>$231,251 to $578,125.<\/td><td>$52,832 plus 35% of the amount over $231,250.<\/td><\/tr><tr><td>37%<\/td><td>$578,126 or more.<\/td><td>$174,238.25 plus 37% of the amount over $578,125.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2023 tax brackets: married filing jointly<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Tax rate<\/strong><\/th><th><strong>Taxable income bracket<\/strong><\/th><th><strong>Taxes owed<\/strong><\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $22,000.<\/td><td>10% of taxable income.<\/td><\/tr><tr><td>12%<\/td><td>$22,001 to $89,450.<\/td><td>$2,200 plus 12% of the amount over $22,000.<\/td><\/tr><tr><td>22%<\/td><td>$89,451 to $190,750.<\/td><td>$10,294 plus 22% of the amount over $89,450.<\/td><\/tr><tr><td>24%<\/td><td>$190,751 to $364,200.<\/td><td>$32,580 plus 24% of the amount over $190,750.<\/td><\/tr><tr><td>32%<\/td><td>$364,201 to $462,500.<\/td><td>$74,208 plus 32% of the amount over $364,200.<\/td><\/tr><tr><td>35%<\/td><td>$462,501 to $693,750.<\/td><td>$105,664 plus 35% of the amount over $462,500.<\/td><\/tr><tr><td>37%<\/td><td>$693,751 or more.<\/td><td>$186,601.50 + 37% of the amount over $693,750.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2023 tax brackets: married filing separately<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Tax rate<\/strong><\/th><th><strong>Taxable income bracket<\/strong><\/th><th><strong>Taxes owed<\/strong><\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $11,000.<\/td><td>10% of taxable income.<\/td><\/tr><tr><td>12%<\/td><td>$11,001 to $44,725.<\/td><td>$1,100 plus 12% of the amount over $11,000.<\/td><\/tr><tr><td>22%<\/td><td>$44,726 to $95,375.<\/td><td>$5,147 plus 22% of the amount over $44,725.<\/td><\/tr><tr><td>24%<\/td><td>$95,376 to $182,100.<\/td><td>$16,290 plus 24% of the amount over $95,375.<\/td><\/tr><tr><td>32%<\/td><td>$182,101 to $231,250.<\/td><td>$37,104 plus 32% of the amount over $182,100.<\/td><\/tr><tr><td>35%<\/td><td>$231,251 to $346,875.<\/td><td>$52,832 plus 35% of the amount over $231,250.<\/td><\/tr><tr><td>37%<\/td><td>$346,876 or more.<\/td><td>$93,300.75 plus 37% of the amount over $346,875.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2023 tax brackets: head of household<\/strong><strong><\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Tax rate<\/strong><\/th><th><strong>Taxable income bracket<\/strong><\/th><th><strong>Tax owed<\/strong><\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $15,700.<\/td><td>10% of taxable income.<\/td><\/tr><tr><td>12%<\/td><td>$15,701 to $59,850.<\/td><td>$1,570 plus 12% of the amount over $15,700.<\/td><\/tr><tr><td>22%<\/td><td>$59,851 to $95,350.<\/td><td>$6,868 plus 22% of the amount over $59,850.<\/td><\/tr><tr><td>24%<\/td><td>$95,351 to $182,100.<\/td><td>$14,678 plus 24% of the amount over $95,350.<\/td><\/tr><tr><td>32%<\/td><td>$182,101 to $231,250.<\/td><td>$35,498 plus 32% of the amount over $182,100.<\/td><\/tr><tr><td>35%<\/td><td>$231,251 to $578,100.<\/td><td>$51,226 plus 35% of the amount over $231,250.<\/td><\/tr><tr><td>37%<\/td><td>$578,101 or more.<\/td><td>$172,623.50 plus 37% of the amount over $578,100.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">2024 tax brackets (tax returns filed April 2025)<\/h2>\n\n\n\n<p>Each bracket will experience an approximately 5.4 percent increase from 2023. That means that <strong>taxpayers whose earnings <\/strong>aren&#8217;t keeping pace with inflation could be able to protect more of their earnings from taxes this year.\u00a0The tax rates for 2024 which range between 10% and 37%, are similar to the previous years.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Tax brackets 2024<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tax Rate<\/th><th>Single<\/th><th>Married filing jointly<\/th><th>Married filing separately<\/th><th>Head of household<\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $11,600.<\/td><td>$0 to $23,200.<\/td><td>$0 to $11,600.<\/td><td>$0 to $16,550.<\/td><\/tr><tr><td>12%<\/td><td>$11,601 to $47,150.<\/td><td>$23,201 to $94,300.<\/td><td>$11,601 to $47,150.<\/td><td>$16,551 to $63,100.<\/td><\/tr><tr><td>22%<\/td><td>$47,151 to $100,525.<\/td><td>$94,301 to $201,050.<\/td><td>$47,151 to $100,525.<\/td><td>$63,101 to $100,500.<\/td><\/tr><tr><td>24%<\/td><td>$100,526 to $191,950.<\/td><td>$201,051 to $383,900.<\/td><td>$100,526 to $191,950.<\/td><td>$100,501 to $191,950.<\/td><\/tr><tr><td>32%<\/td><td>$191,951 to $243,725.<\/td><td>$383,901 to $487,450.<\/td><td>$191,951 to $243,725.<\/td><td>$191,951 to $243,700.<\/td><\/tr><tr><td>35%<\/td><td>$243,726 to $609,350.<\/td><td>$487,451 to $731,200.<\/td><td>$243,726 to $365,600.<\/td><td>$243,701 to $609,350.<\/td><\/tr><tr><td>37%<\/td><td>$609,351 or more.<\/td><td>$731,201 or more.<\/td><td>$365,601 or more.<\/td><td>$609,350 or more.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Also Read<\/strong>:-<a href=\"https:\/\/thebankingguides.com\/bobgametech-com-paytm-credit-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">Unlocking the Benefits of Bobgametech.com Paytm Credit Card<\/a><\/p>\n\n\n\n<p><strong>2024 tax brackets: single filers<\/strong><strong><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tax Rate<\/th><th>Taxable income bracket<\/th><th>Tax owed<\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $11,600.<\/td><td>10% of taxable income.<\/td><\/tr><tr><td>12%<\/td><td>$11,601 to $47,150.<\/td><td>$1,160 plus 12% of the amount over $11,600.<\/td><\/tr><tr><td>22%<\/td><td>$47,151 to $100,525.<\/td><td>$5,426 plus 22% of the amount over $47,150.<\/td><\/tr><tr><td>24%<\/td><td>$100,526 to $191,950.<\/td><td>$17,168.50 plus 24% of the amount over $100,525.<\/td><\/tr><tr><td>32%<\/td><td>$191,951 to $243,725.<\/td><td>$39,110.50 plus 32% of the amount over $191,950.<\/td><\/tr><tr><td>35%<\/td><td>$243,726 to $609,350.<\/td><td>$55,678.50 plus 35% of the amount over $243,725.<\/td><\/tr><tr><td>37%<\/td><td>$609,351 or more.<\/td><td>$183,647.25 plus 37% of the amount over $609,350.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2024 tax brackets: married filing jointly<\/strong><strong><\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tax rate<\/th><th>Taxable income bracket<\/th><th>Taxes owed<\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $23,200.<\/td><td>10% of taxable income.<\/td><\/tr><tr><td>12%<\/td><td>$23,201 to $94,300.<\/td><td>$2,320 plus 12% of the amount over $23,200.<\/td><\/tr><tr><td>22%<\/td><td>$94,301 to $201,050.<\/td><td>$10,852 plus 22% of the amount over $94,300.<\/td><\/tr><tr><td>24%<\/td><td>$201,051 to $383,900.<\/td><td>$34,337 plus 24% of the amount over $201,050.<\/td><\/tr><tr><td>32%<\/td><td>$383,901 to $487,450.<\/td><td>$78,221 plus 32% of the amount over $383,900.<\/td><\/tr><tr><td>35%<\/td><td>$487,451 to $731,200.<\/td><td>$111,357 plus 35% of the amount over $487,450.<\/td><\/tr><tr><td>37%<\/td><td>$731,201 or more.<\/td><td>$196,669.50 + 37% of the amount over $731,200.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2024 tax brackets: married filing separately<\/strong><strong><\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tax rate<\/th><th>Taxable income bracket<\/th><th>Taxes owed<\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $11,600.<\/td><td>10% of taxable income.<\/td><\/tr><tr><td>12%<\/td><td>$11,601 to $47,150.<\/td><td>$1,160 plus 12% of the amount over $11,600.<\/td><\/tr><tr><td>22%<\/td><td>$47,151 to $100,525.<\/td><td>$5,426 plus 22% of the amount over $47,150.<\/td><\/tr><tr><td>24%<\/td><td>$100,526 to $191,950.<\/td><td>$17,168.50 plus 24% of the amount over $100,525.<\/td><\/tr><tr><td>32%<\/td><td>$191,951 to $243,725.<\/td><td>$39,110.50 plus 32% of the amount over $191,950.<\/td><\/tr><tr><td>35%<\/td><td>$243,726 to $365,600<\/td><td>$55,678.50 plus 35% of the amount over $243,725.<\/td><\/tr><tr><td>37%<\/td><td>$365,601 or more.<\/td><td>$98,334.75 plus 37% of the amount over $365,600.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2024 tax brackets: head of household<\/strong><strong><\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tax rate<\/th><th>Taxable income bracket<\/th><th>Tax owed<\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $16,550.<\/td><td>10% of taxable income.<\/td><\/tr><tr><td>12%<\/td><td>$16,551 to $63,100.<\/td><td>$1,655 plus 12% of the amount over $16,500.<\/td><\/tr><tr><td>22%<\/td><td>$63,101 to $100,500.<\/td><td>$7,241 plus 22% of the amount over $63,100.<\/td><\/tr><tr><td>24%<\/td><td>$100,501 to $191,950.<\/td><td>$15,469 plus 24% of the amount over $100,500.<\/td><\/tr><tr><td>32%<\/td><td>$191,951 to $243,700.<\/td><td>$37,417 plus 32% of the amount over $191,950.<\/td><\/tr><tr><td>35%<\/td><td>$243,701 to $609,350.<\/td><td>$53,977 plus 35% of the amount over $243,700.<\/td><\/tr><tr><td>37%<\/td><td>$609,350 or more.<\/td><td>$181,954.50 plus 37% of the amount over $609,350.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">How income tax brackets work<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Federal income tax rates are progressive<\/strong><\/h3>\n\n\n\n<p>The U.S. has a progressive tax system.\u00a0This implies that the federal government determines how much tax you must pay by dividing your income tax deductible into parts &#8212; also called tax brackets and each one is taxed at a<strong> specific tax rate<\/strong>.\u00a0The tax rate that is the highest is the\u00a0marginal tax rate\u00a0which applies to the amount of your income.<\/p>\n\n\n\n<p>A progressive system of taxation implies that those who earn more taxable incomes are subject to higher rates of federal income tax while those who earn less taxable income are less liable to taxes on income in the federal government.&nbsp;The benefit of the tax brackets is, no regardless of the tax class you fall into you will not pay that tax on all of your income.<\/p><script data-noptimize=\"\" data-wpfc-render=\"false\">\nfpm_start( \"true\" );\n<\/script>\n\n\n\n\n<p><strong>Examples:<\/strong>\u00a0If you had $50,000 of <strong>tax-deductible income <\/strong>in 2023 as a single-filer, you&#8217;d be paying 10% on the first $11,000 and 12% for the portion of the income from $11,001 to $44,725.\u00a0You&#8217;d then pay 22% for the remainder since some of your $50,000 in taxable income falls within the tax bracket of 22.\u00a0The total cost will be around $6,300roughly 13 percent of tax-deductible income, despite being in the 22 percent bracket.\u00a0This is the 13%<strong>\u00a0tax-effective rate..<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"723\" height=\"593\" src=\"https:\/\/thebankingguides.com\/wp-content\/uploads\/2024\/01\/Income-Tax-1.png\" alt=\"\" class=\"wp-image-2973\" style=\"width:516px;height:auto\" title=\"2023_Example-2-Tax-Brackets\" srcset=\"https:\/\/thebankingguides.com\/wp-content\/uploads\/2024\/01\/Income-Tax-1.png 723w, https:\/\/thebankingguides.com\/wp-content\/uploads\/2024\/01\/Income-Tax-1-300x246.png 300w, https:\/\/thebankingguides.com\/wp-content\/uploads\/2024\/01\/Income-Tax-1-150x123.png 150w\" sizes=\"(max-width: 723px) 100vw, 723px\" \/><figcaption class=\"wp-element-caption\"><br><a href=\"https:\/\/assets.nerdwallet.com\/blog\/wp-content\/uploads\/2023\/12\/2023_Example-2-Tax-Brackets.png\" target=\"_blank\" rel=\"noopener\"><\/a><\/figcaption><\/figure><\/div>\n\n\n<h3 class=\"wp-block-heading\"><strong>2. State income taxes may work differently than federal income taxes<\/strong><\/h3>\n\n\n\n<p>States might have different tax policies as compared to those of the <strong><a href=\"https:\/\/thebankingguides.com\/\" data-type=\"link\" data-id=\"https:\/\/thebankingguides.com\/\">Federal government<\/a>.<\/strong>\u00a0States may have their<strong> <\/strong>tax brackets, or completely use a different system.\u00a0Colorado is one example. It has a flat tax on income rate of 4.4 percent on income that is tax deductible as well as certain states, like Wyoming aren&#8217;t required to impose an income tax for state residents in any way.<\/p>\n\n\n\n<p><strong>Also Read<\/strong>:-<a href=\"https:\/\/thebankingguides.com\/tjmaxx-credit-card-login\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/thebankingguides.com\/tjmaxx-credit-card-login\/\" rel=\"noreferrer noopener nofollow\"><strong>TJMaxx Credit Card Login &amp; Best Easy Practices in 2023<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is a marginal tax rate?<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"789\" height=\"435\" src=\"https:\/\/thebankingguides.com\/wp-content\/uploads\/2024\/01\/marginal-tax-rate-1.png\" alt=\"\" class=\"wp-image-2974\" style=\"width:426px;height:auto\" srcset=\"https:\/\/thebankingguides.com\/wp-content\/uploads\/2024\/01\/marginal-tax-rate-1.png 789w, https:\/\/thebankingguides.com\/wp-content\/uploads\/2024\/01\/marginal-tax-rate-1-300x165.png 300w, https:\/\/thebankingguides.com\/wp-content\/uploads\/2024\/01\/marginal-tax-rate-1-768x423.png 768w, https:\/\/thebankingguides.com\/wp-content\/uploads\/2024\/01\/marginal-tax-rate-1-150x83.png 150w\" sizes=\"(max-width: 789px) 100vw, 789px\" \/><\/figure><\/div>\n\n\n<p>Tax rate marginal is the tax that you pay on the last dollar of income taxable.\u00a0It is usually the most tax-efficient bracket.<\/p>\n\n\n\n<p>If, for instance, you&#8217;re a single-filer in 2023, with a total of $35,000 tax-payable income, you&#8217;d be in the tax bracket that is 12.&nbsp;If your tax-deductible income went up by one dollar each, you&#8217;d pay an additional 12% tax on that dollar, too.<\/p>\n\n\n\n<p>If you have $45,000 of income that was tax deductible the majority of it would be into the 12% bracket, but the final handful of hundred dollars will be within the tax rate of the 22% bracket.\u00a0The marginal tax rate would be 22 percent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is an effective tax rate?<\/h2>\n\n\n\n<p>The proportion of your tax-deductible income you pay taxes is known as an effective tax percentage.\u00a0To determine your tax-effective rate, divide the total tax due (line 16) on<strong>\u00a0Form 1040<\/strong>\u00a0by your taxable earnings (line 15,).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to reduce taxes owed<\/h2>\n\n\n\n<p>Two popular ways to reduce the tax burden are deductions and credits.<\/p>\n\n\n\n<ul>\n<li><strong>Tax credit <\/strong>can help reduce taxes on a dollar-for-dollar basis. They don&#8217;t change the tax bracket you&#8217;re in.<\/li>\n\n\n\n<li><a href=\"https:\/\/thebankingguides.com\/\" data-type=\"link\" data-id=\"https:\/\/thebankingguides.com\/\"><strong>Tax deducts<\/strong>\u00a0<\/a>on the opposite, on the other hand, decrease the amount of your tax-exempt earnings.\u00a0In general, deductions reduce your tax-deductible income by the amount of the highest federal income tax bracket.\u00a0For example, if you are in the tax bracket 22 and you take a deduction of $1,000, it could mean you save $220.<\/li>\n<\/ul>\n\n\n\n<p>That&#8217;s right, you should make sure you take advantage of all tax deductions you&#8217;re eligible for.\u00a0Tax deductions could reduce your taxable income, and can also propel you into a lower rate, meaning that you have a lower tax rate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tax brackets and rates for 2012-2022<\/h2>\n\n\n\n<p>Are you interested in how the federal taxes and brackets for income have changed through the years?\u00a0Check at the past.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2022 tax brackets and rates<\/strong><strong><\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Tax rate<\/strong><\/th><th><strong>Single<\/strong><\/th><th><strong>Married, filing jointly<\/strong><\/th><th><strong>Married, filing separately<\/strong><\/th><th><strong>Head of household<\/strong><\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $10,275.<\/td><td>$0 to $20,550.<\/td><td>$0 to $10,275.<\/td><td>$0 to $14,650.<\/td><\/tr><tr><td>12%<\/td><td>$10,276 to $41,775.<\/td><td>$20,551 to $83,550.<\/td><td>$10,276 to $41,775.<\/td><td>$14,651 to $55,900.<\/td><\/tr><tr><td>22%<\/td><td>$41,776 to $89,075.<\/td><td>$83,551 to $178,150.<\/td><td>$41,776 to $89,075.<\/td><td>$55,901 to $89,050.<\/td><\/tr><tr><td>24%<\/td><td>$89,076 to $170,050.<\/td><td>$178,151 to $340,100.<\/td><td>$89,076 to $170,050.<\/td><td>$89,051 to $170,050.<\/td><\/tr><tr><td>32%<\/td><td>$170,051 to $215,950.<\/td><td>$340,101 to $431,900.<\/td><td>$170,051 to $215,950.<\/td><td>$170,051 to $215,950.<\/td><\/tr><tr><td>35%<\/td><td>$215,951 to $539,900.<\/td><td>$431,901 to $647,850.<\/td><td>$215,951 to $323,925.<\/td><td>$215,951 to $539,900.<\/td><\/tr><tr><td>37%<\/td><td>$539,901 or more.<\/td><td>$647,851 or more.<\/td><td>$323,926 or more.<\/td><td>$539,901 or more.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2021 tax brackets and rates<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Tax rate<\/strong><\/th><th><strong>Single<\/strong><\/th><th><strong>Married, filing jointly<\/strong><\/th><th><strong>Married, filing separately<\/strong><\/th><th><strong>Head of household<\/strong><\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $9,950<\/td><td>$0 to $19,900<\/td><td>$0 to $9,950<\/td><td>$0 to $14,200<\/td><\/tr><tr><td>12%<\/td><td>$9,951 to $40,525<\/td><td>$19,901 to $81,050<\/td><td>$9,951 to $40,525<\/td><td>$14,201 to $54,200<\/td><\/tr><tr><td>22%<\/td><td>$40,526 to $86,375<\/td><td>$81,051 to $172,750<\/td><td>$40,526 to $86,375<\/td><td>$54,201 to $86,350<\/td><\/tr><tr><td>24%<\/td><td>$86,376 to $164,925<\/td><td>$172,751 to $329,850<\/td><td>$86,376 to $164,925<\/td><td>$86,351 to $164,900<\/td><\/tr><tr><td>32%<\/td><td>$164,926 to $209,425<\/td><td>$329,851 to $418,850<\/td><td>$164,926 to $209,425<\/td><td>$164,901 to $209,400<\/td><\/tr><tr><td>35%<\/td><td>$209,426 to $523,600<\/td><td>$418,851 to $628,300<\/td><td>$209,426 to $314,150<\/td><td>$209,401 to $523,600<\/td><\/tr><tr><td>37%<\/td><td>$523,601 or more<\/td><td>$628,301 or more<\/td><td>$314,151 or more<\/td><td>$523,601 or more<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2020 tax brackets and rates<\/strong><strong><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Tax rate<\/strong><\/th><th><strong>Single<\/strong><\/th><th><strong>Married, filing jointly<\/strong><\/th><th><strong>Married, filing separately<\/strong><\/th><th><strong>Head of household<\/strong><\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $9,875<\/td><td>$0 to $19,750<\/td><td>$0 to $9,875<\/td><td>$0 to $14,100<\/td><\/tr><tr><td>12%<\/td><td>$9,876 to $40,125<\/td><td>$19,751 to $80,250<\/td><td>$9,876 to $40,125<\/td><td>$14,101 to $53,700<\/td><\/tr><tr><td>22%<\/td><td>$40,126 to $85,525<\/td><td>$80,251 to $171,050<\/td><td>$40,126 to $85,525<\/td><td>$53,701 to $85,500<\/td><\/tr><tr><td>24%<\/td><td>$85,526 to $163,300<\/td><td>$171,051 to $326,600<\/td><td>$85,526 to $163,300<\/td><td>$85,501 to $163,300<\/td><\/tr><tr><td>32%<\/td><td>$163,301 to $207,350<\/td><td>$326,601 to $414,700<\/td><td>$163,301 to $207,350<\/td><td>$163,301 to $207,350<\/td><\/tr><tr><td>35%<\/td><td>$207,351 to $518,400<\/td><td>$414,701 to $622,050<\/td><td>$207,351 to $311,025<\/td><td>$207,351 to $518,400<\/td><\/tr><tr><td>37%<\/td><td>$518,401 or more<\/td><td>$622,051 or more<\/td><td>$311,026 or more<\/td><td>$518,401 or more<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2019 tax brackets and rates<\/strong><strong><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tax rate<\/th><th>Single<\/th><th>Married, filing jointly<\/th><th>Married, filing separately<\/th><th>Head of household<\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $9,700<\/td><td>$0 to $19,400<\/td><td>$0 to $9,700<\/td><td>$0 to $13,850<\/td><\/tr><tr><td>12%<\/td><td>$9,701 to $39,475<\/td><td>$19,401 to $78,950<\/td><td>$9,701 to $39,475<\/td><td>$13,851 to $52,850<\/td><\/tr><tr><td>22%<\/td><td>$39,476 to $84,200<\/td><td>$78,951 to $168,400<\/td><td>$39,476 to $84,200<\/td><td>$52,851 to $84,200<\/td><\/tr><tr><td>24%<\/td><td>$84,201 to $160,725<\/td><td>$168,401 to $321,450<\/td><td>$84,201 to $160,725<\/td><td>$84,201 to $160,700<\/td><\/tr><tr><td>32%<\/td><td>$160,726 to $204,100<\/td><td>$321,451 to $408,200<\/td><td>$160,726 to $204,100<\/td><td>$160,701 to $204,100<\/td><\/tr><tr><td>35%<\/td><td>$204,101 to $510,300<\/td><td>$408,201 to $612,350<\/td><td>$204,101 to $306,175<\/td><td>$204,101 to $510,300<\/td><\/tr><tr><td>37%<\/td><td>$510,301 or more<\/td><td>$612,351 or more<\/td><td>$306,176 or more<\/td><td>$510,301 or more<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2018 tax brackets and rates<\/strong><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">2018 Federal Income Tax Brackets<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tax rate<\/th><th>Single<\/th><th>Married, filing jointly<\/th><th>Married, filing separately<\/th><th>Head of household<\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $9,525<\/td><td>$0 to $19,050<\/td><td>$0 to $9,525<\/td><td>$0 to $13,600<\/td><\/tr><tr><td>12%<\/td><td>$9,526 to $38,700<\/td><td>$19,051 to $77,400<\/td><td>$9,526 to $38,700<\/td><td>$13,601 to $51,800<\/td><\/tr><tr><td>22%<\/td><td>$38,701 to $82,500<\/td><td>$77,401 to $165,000<\/td><td>$38,701 to $82,500<\/td><td>$51,801 to $82,500<\/td><\/tr><tr><td>24%<\/td><td>$82,501 to $157,500<\/td><td>$165,001 to $315,000<\/td><td>$82,501 to $157,500<\/td><td>$82,501 to $157,500<\/td><\/tr><tr><td>32%<\/td><td>$157,501 to $200,000<\/td><td>$315,001 to $400,000<\/td><td>$157,501 to $200,000<\/td><td>$157,501 to $200,000<\/td><\/tr><tr><td>35%<\/td><td>$200,001 to $500,000<\/td><td>$400,001 to $600,000<\/td><td>$200,001 to $300,000<\/td><td>$200,001 to $500,000<\/td><\/tr><tr><td>37%<\/td><td>$500,001 or more<\/td><td>$600,001 or more<\/td><td>$300,001 or more<\/td><td>$500,001 or more<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2017 tax brackets and rates<\/strong><strong><\/strong><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">2017 Federal Income Tax Brackets<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tax rate<\/th><th>Single<\/th><th>Married, filing jointly<\/th><th>Married, filing separately<\/th><th>Head of household<\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $9,325<\/td><td>$0 to $18,650<\/td><td>$0 to $9,325<\/td><td>$0 to $13,350<\/td><\/tr><tr><td>15%<\/td><td>$9,326 to $37,950<\/td><td>$18,651 to $75,900<\/td><td>$9,326 to $37,950<\/td><td>$13,351 to $50,800<\/td><\/tr><tr><td>25%<\/td><td>$37,951 to $91,900<\/td><td>$75,901 to $153,100<\/td><td>$37,951 to $76,550<\/td><td>$50,801 to $131,200<\/td><\/tr><tr><td>28%<\/td><td>$91,901 to $191,650<\/td><td>$153,101 to $233,350<\/td><td>$76,551 to $116,675<\/td><td>$131,201 to $212,500<\/td><\/tr><tr><td>33%<\/td><td>$191,651 to $416,700<\/td><td>$233,351 to $416,700<\/td><td>$116,676 to $208,350<\/td><td>$212,501 to $416,700<\/td><\/tr><tr><td>35%<\/td><td>$416,701 to $418,400<\/td><td>$416,701 to $470,700<\/td><td>$208,351 to $235,350<\/td><td>$416,701 to $444,550<\/td><\/tr><tr><td>39.6%<\/td><td>$418,401 or more<\/td><td>$470,701 or more<\/td><td>$235,351 or more<\/td><td>$444,551 or more<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2016 tax brackets and rates<\/strong><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">2016 Federal Income Tax Brackets<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tax rate<\/th><th>Single<\/th><th>Married, filing jointly<\/th><th>Married, filing separately<\/th><th>Head of household<\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $9,275<\/td><td>$0 to $18,550<\/td><td>$0 to $9,275<\/td><td>$0 to $13,250<\/td><\/tr><tr><td>15%<\/td><td>$9,276 to $37,650<\/td><td>$18,550 to $75,300<\/td><td>$9,275 to $37,650<\/td><td>$13,250 to $50,400<\/td><\/tr><tr><td>25%<\/td><td>$37,650 to $91,150<\/td><td>$75,300 to $151,900<\/td><td>$37,650 to $75,950<\/td><td>$50,400 to $130,150<\/td><\/tr><tr><td>28%<\/td><td>$91,150 to $190,150<\/td><td>$151,900 to $231,450<\/td><td>$75,950 to $115,725<\/td><td>$130,150 to $210,800<\/td><\/tr><tr><td>33%<\/td><td>$190,150 to $413,350<\/td><td>$231,450 to $413,350<\/td><td>$115,725 to $206,675<\/td><td>$210,800 to $413,350<\/td><\/tr><tr><td>35%<\/td><td>$413,350 to $415,050<\/td><td>$413,350 to $466,950<\/td><td>$206,675 to $233,475<\/td><td>$413,350 to $441,000<\/td><\/tr><tr><td>39.6%<\/td><td>$415,050 or more<\/td><td>$466,950 or more<\/td><td>$233,475 or more<\/td><td>$441,000 or more<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2015 tax brackets and rates<\/strong><strong><\/strong><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">2015 Federal Income Tax Brackets<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tax rate<\/th><th>Single<\/th><th>Married, filing jointly<\/th><th>Married, filing separately<\/th><th>Head of household<\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $9,225<\/td><td>$0 to $18,450<\/td><td>$0 to $9,225<\/td><td>$0 to $13,150<\/td><\/tr><tr><td>15%<\/td><td>$9,226 to $37,450<\/td><td>$18,451 to $74,900<\/td><td>$9,226 to $37,450<\/td><td>$13,151 to $50,200<\/td><\/tr><tr><td>25%<\/td><td>$37,451 to $90,750<\/td><td>$74,901 to $151,200<\/td><td>$37,451 to $75,600<\/td><td>$50,201 to $129,600<\/td><\/tr><tr><td>28%<\/td><td>$90,751 to $189,300<\/td><td>$151,201 to $230,450<\/td><td>$75,601 to $115,225<\/td><td>$129,601 to $209,850<\/td><\/tr><tr><td>33%<\/td><td>$189,301 to $411,500<\/td><td>$230,451 to $411,500<\/td><td>$115,226 to $205,750<\/td><td>$209,851 to $411,500<\/td><\/tr><tr><td>35%<\/td><td>$411,501 to $413,200<\/td><td>$411,501 to $464,850<\/td><td>$205,751 to $232,425<\/td><td>$411,501 to $439,000<\/td><\/tr><tr><td>39.6%<\/td><td>$413,201 or more<\/td><td>$464,851 or more<\/td><td>$232,426 or more<\/td><td>$439,001 or more<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2014 tax brackets and rates<\/strong><strong><\/strong><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">2014 Federal Income Tax Brackets<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tax rate<\/th><th>Single<\/th><th>Married, filing jointly<\/th><th>Married, filing separately<\/th><th>Head of household<\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $9,075<\/td><td>$0 to $18,150<\/td><td>$0 to $9,075<\/td><td>$0 to $12,950<\/td><\/tr><tr><td>15%<\/td><td>$9,076 to $36,900<\/td><td>$18,151 to $73,800<\/td><td>$9,076 to $36,900<\/td><td>$12,951 to $49,400<\/td><\/tr><tr><td>25%<\/td><td>$36,901 to $89,350<\/td><td>$73,801 to $148,850<\/td><td>$36,901 to $74,425<\/td><td>$49,401 to $127,550<\/td><\/tr><tr><td>28%<\/td><td>$89,351 to $186,350<\/td><td>$148,851 to $226,850<\/td><td>$74,426 to $113,425<\/td><td>$127,551 to $206,600<\/td><\/tr><tr><td>33%<\/td><td>$186,351 to $405,100<\/td><td>$226,851 to $405,100<\/td><td>$113,426 to $202,550<\/td><td>$206,601 to $405,100<\/td><\/tr><tr><td>35%<\/td><td>$405,101 to $406,750<\/td><td>$405,101 to $457,600<\/td><td>$202,551 to $228,800<\/td><td>$405,101 to $432,200<\/td><\/tr><tr><td>39.6%<\/td><td>$406,751 or more<\/td><td>$457,601 or more<\/td><td>$228,801 or more<\/td><td>$432,201 or more<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2013 tax brackets and rates<\/strong><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">2013 Federal Income Tax Brackets<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tax rate<\/th><th>Single<\/th><th>Married, filing jointly<\/th><th>Married, filing separately<\/th><th>Head of household<\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $8,925<\/td><td>$0 to $17,850<\/td><td>$0 to $8,925<\/td><td>$0 to $12,750<\/td><\/tr><tr><td>15%<\/td><td>$8,926 to $36,250<\/td><td>$17,851 to $72,500<\/td><td>$8,926 to $36,250<\/td><td>$12,751 to $48,600<\/td><\/tr><tr><td>25%<\/td><td>$36,251 to $87,850<\/td><td>$72,501 to $146,400<\/td><td>$36,251 to $73,200<\/td><td>$48,601 to $125,450<\/td><\/tr><tr><td>28%<\/td><td>$87,851 to $183,250<\/td><td>$146,401 to $223,050<\/td><td>$73,201 to $111,525<\/td><td>$125,451 to $203,150<\/td><\/tr><tr><td>33%<\/td><td>$183,251 to $398,350<\/td><td>$223,051 to $398,350<\/td><td>$111,526 to $199,175<\/td><td>$203,151 to $398,350<\/td><\/tr><tr><td>35%<\/td><td>$398,351 to $400,000<\/td><td>$398,351 to $450,000<\/td><td>$199,176 to $225,000<\/td><td>$398,351 to $425,000<\/td><\/tr><tr><td>39.6%<\/td><td>$400,001 or more<\/td><td>$450,001 or more<\/td><td>$225,001 or more<\/td><td>$425,001 or more<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2012 tax brackets and rates<\/strong><strong><\/strong><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">2012 Federal Income Tax Brackets<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tax rate<\/th><th>Single<\/th><th>Married, filing jointly<\/th><th>Married, filing separately<\/th><th>Head of household<\/th><\/tr><\/thead><tbody><tr><td>10%<\/td><td>$0 to $8,700<\/td><td>$0 to $17,400<\/td><td>$0 to $8,700<\/td><td>$0 to $12,400<\/td><\/tr><tr><td>15%<\/td><td>$8,701 to $35,350<\/td><td>$17,401 to $70,700<\/td><td>$8,701 to $35,350<\/td><td>$12,401 to $47,350<\/td><\/tr><tr><td>25%<\/td><td>$35,351 to $85,650<\/td><td>$70,701 to $142,700<\/td><td>$35,351 to $71,350<\/td><td>$47,351 to $122,300<\/td><\/tr><tr><td>28%<\/td><td>$85,651 to $178,650<\/td><td>$142,701 to $217,450<\/td><td>$71,351 to $108,725<\/td><td>$122,301 to $198,050<\/td><\/tr><tr><td>33%<\/td><td>$178,651 to $388,350<\/td><td>$217,451 to $388,350<\/td><td>$108,726 to $194,175<\/td><td>$198,051 to $388,350<\/td><\/tr><tr><td>35%<\/td><td>$388,351 or more<\/td><td>$388,351 or more<\/td><td>$194,1756 or more<\/td><td>$388,351 or more<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<div class=\"fpm_end\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Seven federal income tax brackets and rates in 2023 and 2024. 10 percent, 12%, 22 percent, 24%, 32 35%, and &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"2023-2024 Tax Brackets and Federal Income Tax Brackets\" class=\"read-more button\" href=\"https:\/\/thebankingguides.com\/federal-income-tax-brackets\/#more-2972\" aria-label=\"More on 2023-2024 Tax Brackets and Federal Income Tax Brackets\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":2977,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[3550,3547,3557,3540,3559,3554,3541,3558,3549,3546,3543,3548,3544,3561,3551,3556,3545,3555,3539,3553,3542,3552,3560],"_links":{"self":[{"href":"https:\/\/thebankingguides.com\/wp-json\/wp\/v2\/posts\/2972"}],"collection":[{"href":"https:\/\/thebankingguides.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thebankingguides.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thebankingguides.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thebankingguides.com\/wp-json\/wp\/v2\/comments?post=2972"}],"version-history":[{"count":2,"href":"https:\/\/thebankingguides.com\/wp-json\/wp\/v2\/posts\/2972\/revisions"}],"predecessor-version":[{"id":2979,"href":"https:\/\/thebankingguides.com\/wp-json\/wp\/v2\/posts\/2972\/revisions\/2979"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thebankingguides.com\/wp-json\/wp\/v2\/media\/2977"}],"wp:attachment":[{"href":"https:\/\/thebankingguides.com\/wp-json\/wp\/v2\/media?parent=2972"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thebankingguides.com\/wp-json\/wp\/v2\/categories?post=2972"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thebankingguides.com\/wp-json\/wp\/v2\/tags?post=2972"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}