Income Tax Brackets Skill

Overview

Income Tax Brackets works by aggregating federal income tax data from official sources including the Tax Foundation and IRS publications. Data covers all filing statuses (single, married filing jointly, married filing separately, head of household) with historical data back to 2000.

Live Test Income Tax Brackets Skill Skill →

The tool

Once your client is connected to the VerveKit server, this appears in its tool list as IncomeTaxBracketsSkill. It is read-only and open-world — it fetches and never mutates anything on your side — so most clients call it without asking you to confirm.

Tool call

{
  "name": "IncomeTaxBracketsSkill",
  "arguments": {
    "country": "US"
  }
}

You do not name the tool yourself; the model picks it. Asking about US in the terms this skill covers is enough for it to reach for IncomeTaxBracketsSkill on its own — naming it explicitly also works, and is the way to force the call.

Connecting

One server URL covers every skill in the catalog, including this one. Authorization is OAuth: the client opens a browser once, and there is no key to paste into a config file.

{
  "mcpServers": {
    "vervekit": {
      "url": "https://api.vervekit.com/v1/mcp"
    }
  }
}

Per-client setup — Claude, Cursor, VS Code, ChatGPT — is on the MCP setup page.

Arguments

These are the properties on the tool's inputSchema, so a well-behaved client validates them before the call is made. Premium arguments are accepted on every plan but only take effect on plans that include them.

Argument	Type	Description
`country`Required	string	The country code (currently only 'US' is supported) length 2–2
`year`OptionalPremium	integer	The tax year to retrieve brackets for. Defaults to the previous year. range 2000–2030

What the model gets back

The result carries a structuredContent object matching the tool's declared outputSchema, so a client reads fields without parsing prose. status is "ok" and error is null on success; a null field means the value was not available for that input, not that the call failed.

Result

{
  "status": "ok",
  "error": null,
  "data": {
    "year": 2025,
    "country": "US",
    "type": "federal",
    "brackets": {
      "single": [
        {
          "rate": 0.1,
          "min": 0,
          "max": 11924
        },
        {
          "rate": 0.12,
          "min": 11925,
          "max": 48474
        },
        {
          "rate": 0.22,
          "min": 48475,
          "max": 103349
        },
        {
          "rate": 0.24,
          "min": 103350,
          "max": 197299
        },
        {
          "rate": 0.32,
          "min": 197300,
          "max": 250524
        },
        {
          "rate": 0.35,
          "min": 250525,
          "max": 626349
        },
        {
          "rate": 0.37,
          "min": 626350,
          "max": 999999999
        }
      ],
      "married_filing_jointly": [
        {
          "rate": 0.1,
          "min": 0,
          "max": 23849
        },
        {
          "rate": 0.12,
          "min": 23850,
          "max": 96949
        },
        {
          "rate": 0.22,
          "min": 96950,
          "max": 206699
        },
        {
          "rate": 0.24,
          "min": 206700,
          "max": 394599
        },
        {
          "rate": 0.32,
          "min": 394600,
          "max": 501049
        },
        {
          "rate": 0.35,
          "min": 501050,
          "max": 751599
        },
        {
          "rate": 0.37,
          "min": 751600,
          "max": 999999999
        }
      ],
      "married_filing_separately": [
        {
          "rate": 0.1,
          "min": 0,
          "max": 11924
        },
        {
          "rate": 0.12,
          "min": 11925,
          "max": 48474
        },
        {
          "rate": 0.22,
          "min": 48475,
          "max": 103349
        },
        {
          "rate": 0.24,
          "min": 103350,
          "max": 197299
        },
        {
          "rate": 0.32,
          "min": 197300,
          "max": 250524
        },
        {
          "rate": 0.35,
          "min": 250525,
          "max": 375799
        },
        {
          "rate": 0.37,
          "min": 375800,
          "max": 999999999
        }
      ],
      "head_of_household": [
        {
          "rate": 0.1,
          "min": 0,
          "max": 16999
        },
        {
          "rate": 0.12,
          "min": 17000,
          "max": 64849
        },
        {
          "rate": 0.22,
          "min": 64850,
          "max": 103349
        },
        {
          "rate": 0.24,
          "min": 103350,
          "max": 197299
        },
        {
          "rate": 0.32,
          "min": 197300,
          "max": 250499
        },
        {
          "rate": 0.35,
          "min": 250500,
          "max": 626349
        },
        {
          "rate": 0.37,
          "min": 626350,
          "max": 999999999
        }
      ]
    },
    "standard_deduction": {
      "single": 15000,
      "married_filing_jointly": 30000,
      "married_filing_separately": 15000,
      "head_of_household": 22500
    },
    "lastUpdated": "2026-02-07T06:02:41.898Z",
    "marriagePenalty": {
      "appliesFromRate": 0.37,
      "singleThreshold": 626350,
      "jointThreshold": 751600,
      "jointShortfall": 501100
    },
    "effectiveRateCurve": {
      "single": [
        {
          "income": 25000,
          "taxableIncome": 10000,
          "tax": 1000,
          "effectiveRate": 0.04,
          "marginalRate": 0.1
        },
        {
          "income": 50000,
          "taxableIncome": 35000,
          "tax": 3961.4,
          "effectiveRate": 0.0792,
          "marginalRate": 0.12
        },
        {
          "income": 100000,
          "taxableIncome": 85000,
          "tax": 13613.78,
          "effectiveRate": 0.1361,
          "marginalRate": 0.22
        },
        {
          "income": 250000,
          "taxableIncome": 235000,
          "tax": 52262.32,
          "effectiveRate": 0.209,
          "marginalRate": 0.32
        },
        {
          "income": 1000000,
          "taxableIncome": 985000,
          "tax": 321468.9,
          "effectiveRate": 0.3215,
          "marginalRate": 0.37
        }
      ],
      "married_filing_jointly": [
        {
          "income": 25000,
          "taxableIncome": 0,
          "tax": 0,
          "effectiveRate": 0,
          "marginalRate": 0.1
        },
        {
          "income": 50000,
          "taxableIncome": 20000,
          "tax": 2000,
          "effectiveRate": 0.04,
          "marginalRate": 0.1
        },
        {
          "income": 100000,
          "taxableIncome": 70000,
          "tax": 7922.9,
          "effectiveRate": 0.0792,
          "marginalRate": 0.12
        },
        {
          "income": 250000,
          "taxableIncome": 220000,
          "tax": 38493.56,
          "effectiveRate": 0.154,
          "marginalRate": 0.24
        },
        {
          "income": 1000000,
          "taxableIncome": 970000,
          "tax": 282961.15,
          "effectiveRate": 0.283,
          "marginalRate": 0.37
        }
      ],
      "married_filing_separately": [
        {
          "income": 25000,
          "taxableIncome": 10000,
          "tax": 1000,
          "effectiveRate": 0.04,
          "marginalRate": 0.1
        },
        {
          "income": 50000,
          "taxableIncome": 35000,
          "tax": 3961.4,
          "effectiveRate": 0.0792,
          "marginalRate": 0.12
        },
        {
          "income": 100000,
          "taxableIncome": 85000,
          "tax": 13613.78,
          "effectiveRate": 0.1361,
          "marginalRate": 0.22
        },
        {
          "income": 250000,
          "taxableIncome": 235000,
          "tax": 52262.32,
          "effectiveRate": 0.209,
          "marginalRate": 0.32
        },
        {
          "income": 1000000,
          "taxableIncome": 985000,
          "tax": 326479.9,
          "effectiveRate": 0.3265,
          "marginalRate": 0.37
        }
      ],
      "head_of_household": [
        {
          "income": 25000,
          "taxableIncome": 2500,
          "tax": 250,
          "effectiveRate": 0.01,
          "marginalRate": 0.1
        },
        {
          "income": 50000,
          "taxableIncome": 27500,
          "tax": 2959.9,
          "effectiveRate": 0.0592,
          "marginalRate": 0.12
        },
        {
          "income": 100000,
          "taxableIncome": 77500,
          "tax": 10224.78,
          "effectiveRate": 0.1022,
          "marginalRate": 0.22
        },
        {
          "income": 250000,
          "taxableIncome": 227500,
          "tax": 48123.32,
          "effectiveRate": 0.1925,
          "marginalRate": 0.32
        },
        {
          "income": 1000000,
          "taxableIncome": 977500,
          "tax": 316955.65,
          "effectiveRate": 0.317,
          "marginalRate": 0.37
        }
      ]
    },
    "changes": {
      "versusYear": 2024,
      "indexingPercent": 2.794,
      "bracketShifts": {
        "single": [
          {
            "rate": 0.12,
            "from": 11600,
            "to": 11925,
            "shiftPercent": 2.802
          },
          {
            "rate": 0.22,
            "from": 47150,
            "to": 48475,
            "shiftPercent": 2.81
          },
          {
            "rate": 0.24,
            "from": 100525,
            "to": 103350,
            "shiftPercent": 2.81
          },
          {
            "rate": 0.32,
            "from": 191950,
            "to": 197300,
            "shiftPercent": 2.787
          },
          {
            "rate": 0.35,
            "from": 243725,
            "to": 250525,
            "shiftPercent": 2.79
          },
          {
            "rate": 0.37,
            "from": 609350,
            "to": 626350,
            "shiftPercent": 2.79
          }
        ],
        "married_filing_jointly": [
          {
            "rate": 0.12,
            "from": 23200,
            "to": 23850,
            "shiftPercent": 2.802
          },
          {
            "rate": 0.22,
            "from": 94300,
            "to": 96950,
            "shiftPercent": 2.81
          },
          {
            "rate": 0.24,
            "from": 201050,
            "to": 206700,
            "shiftPercent": 2.81
          },
          {
            "rate": 0.32,
            "from": 383900,
            "to": 394600,
            "shiftPercent": 2.787
          },
          {
            "rate": 0.35,
            "from": 487450,
            "to": 501050,
            "shiftPercent": 2.79
          },
          {
            "rate": 0.37,
            "from": 731200,
            "to": 751600,
            "shiftPercent": 2.79
          }
        ],
        "married_filing_separately": [
          {
            "rate": 0.12,
            "from": 11600,
            "to": 11925,
            "shiftPercent": 2.802
          },
          {
            "rate": 0.22,
            "from": 47150,
            "to": 48475,
            "shiftPercent": 2.81
          },
          {
            "rate": 0.24,
            "from": 100525,
            "to": 103350,
            "shiftPercent": 2.81
          },
          {
            "rate": 0.32,
            "from": 191950,
            "to": 197300,
            "shiftPercent": 2.787
          },
          {
            "rate": 0.35,
            "from": 243725,
            "to": 250525,
            "shiftPercent": 2.79
          },
          {
            "rate": 0.37,
            "from": 365600,
            "to": 375800,
            "shiftPercent": 2.79
          }
        ],
        "head_of_household": [
          {
            "rate": 0.12,
            "from": 16550,
            "to": 17000,
            "shiftPercent": 2.719
          },
          {
            "rate": 0.22,
            "from": 63100,
            "to": 64850,
            "shiftPercent": 2.773
          },
          {
            "rate": 0.24,
            "from": 100500,
            "to": 103350,
            "shiftPercent": 2.836
          },
          {
            "rate": 0.32,
            "from": 191950,
            "to": 197300,
            "shiftPercent": 2.787
          },
          {
            "rate": 0.35,
            "from": 243700,
            "to": 250500,
            "shiftPercent": 2.79
          },
          {
            "rate": 0.37,
            "from": 609350,
            "to": 626350,
            "shiftPercent": 2.79
          }
        ]
      },
      "standardDeduction": {
        "single": {
          "from": 14600,
          "to": 15000,
          "change": 400,
          "changePercent": 2.74
        },
        "married_filing_jointly": {
          "from": 29200,
          "to": 30000,
          "change": 800,
          "changePercent": 2.74
        },
        "married_filing_separately": {
          "from": 14600,
          "to": 15000,
          "change": 400,
          "changePercent": 2.74
        },
        "head_of_household": {
          "from": 21900,
          "to": 22500,
          "change": 600,
          "changePercent": 2.74
        }
      }
    }
  }
}

Response fields

Paths are relative to data. Premium fields are absent rather than zeroed on plans that do not include them, so check for presence instead of comparing to 0.

Field	Type	Example	Description
`year`	number	`2025`	Tax year for the bracket data
`country`	string	`US`	Country code for tax data
`type`	string	`federal`	Which tax the brackets describe, such as federal
`brackets`	object	`{…}`	Array of tax brackets with rates and income ranges
`brackets.single`	array[7]		Rate bands for a single filer
`brackets.single.0.rate`	number	`0.1`	Marginal rate for the band
`brackets.single.0.min`	number	`0`	Income at which the band starts
`brackets.single.0.max`	number	`11924`	Income at which the band ends; null for the top band
`brackets.married_filing_jointly`	array[7]		Rate bands for married filers filing jointly
`brackets.married_filing_jointly.0.rate`	number	`0.1`	Marginal rate for the band
`brackets.married_filing_jointly.0.min`	number	`0`	Income at which the band starts
`brackets.married_filing_jointly.0.max`	number	`23849`	Income at which the band ends; null for the top band
`brackets.married_filing_separately`	array[7]		Rate bands for married filers filing separately
`brackets.married_filing_separately.0.rate`	number	`0.1`	Marginal rate for the band
`brackets.married_filing_separately.0.min`	number	`0`	Income at which the band starts
`brackets.married_filing_separately.0.max`	number	`11924`	Income at which the band ends; null for the top band
`brackets.head_of_household`	array[7]		Rate bands for a head of household filer
`brackets.head_of_household.0.rate`	number	`0.1`	Marginal rate for the band
`brackets.head_of_household.0.min`	number	`0`	Income at which the band starts
`brackets.head_of_household.0.max`	number	`16999`	Income at which the band ends; null for the top band
`standard_deduction`	object	`{…}`	Standard deduction amounts by filing status
`standard_deduction.single`	number	`15000`
`standard_deduction.married_filing_jointly`	number	`30000`
`standard_deduction.married_filing_separately`	number	`15000`
`standard_deduction.head_of_household`	number	`22500`
`lastUpdated`	string	`2026-02-07T06:02:41.898Z`	When the bracket table was last refreshed
`marriagePenalty`Premium	object	`{…}`	Where filing jointly stops being worth twice a single filer's thresholds; null when the schedule doubles all the way up
`marriagePenalty.appliesFromRate`Premium	number	`0.37`	The rate band at which the doubling first breaks
`marriagePenalty.singleThreshold`Premium	number	`626350`	Income at which a single filer enters that band
`marriagePenalty.jointThreshold`Premium	number	`751600`	Income at which a couple filing jointly enters the same band
`marriagePenalty.jointShortfall`Premium	number	`501100`	How far the joint threshold falls short of twice the single threshold
`effectiveRateCurve`Premium	object	`{…}`	Effective and marginal rate at a fixed ladder of incomes, for each filing status, showing the shape of the schedule
`effectiveRateCurve.single`Premium	array[5]
`effectiveRateCurve.single.0.income`Premium	number	`25000`
`effectiveRateCurve.single.0.taxableIncome`Premium	number	`10000`
`effectiveRateCurve.single.0.tax`Premium	number	`1000`
`effectiveRateCurve.single.0.effectiveRate`Premium	number	`0.04`
`effectiveRateCurve.single.0.marginalRate`Premium	number	`0.1`
`effectiveRateCurve.married_filing_jointly`Premium	array[5]
`effectiveRateCurve.married_filing_jointly.0.income`Premium	number	`25000`
`effectiveRateCurve.married_filing_jointly.0.taxableIncome`Premium	number	`0`
`effectiveRateCurve.married_filing_jointly.0.tax`Premium	number	`0`
`effectiveRateCurve.married_filing_jointly.0.effectiveRate`Premium	number	`0`
`effectiveRateCurve.married_filing_jointly.0.marginalRate`Premium	number	`0.1`
`effectiveRateCurve.married_filing_separately`Premium	array[5]
`effectiveRateCurve.married_filing_separately.0.income`Premium	number	`25000`
`effectiveRateCurve.married_filing_separately.0.taxableIncome`Premium	number	`10000`
`effectiveRateCurve.married_filing_separately.0.tax`Premium	number	`1000`
`effectiveRateCurve.married_filing_separately.0.effectiveRate`Premium	number	`0.04`
`effectiveRateCurve.married_filing_separately.0.marginalRate`Premium	number	`0.1`
`effectiveRateCurve.head_of_household`Premium	array[5]
`effectiveRateCurve.head_of_household.0.income`Premium	number	`25000`
`effectiveRateCurve.head_of_household.0.taxableIncome`Premium	number	`2500`
`effectiveRateCurve.head_of_household.0.tax`Premium	number	`250`
`effectiveRateCurve.head_of_household.0.effectiveRate`Premium	number	`0.01`
`effectiveRateCurve.head_of_household.0.marginalRate`Premium	number	`0.1`
`changes`Premium	object	`{…}`	How the table moved since the previous tax year; null when there is no prior year to compare against
`changes.versusYear`Premium	number	`2024`	The tax year being compared against
`changes.indexingPercent`Premium	number	`2.794`	Average shift across every indexed threshold, which is the inflation adjustment the tax authority actually applied
`changes.bracketShifts`Premium	object	`{…}`	Each band's threshold before and after, per filing status, with the percentage it moved
`changes.bracketShifts.single`Premium	array[6]
`changes.bracketShifts.single.0.rate`Premium	number	`0.12`
`changes.bracketShifts.single.0.from`Premium	number	`11600`
`changes.bracketShifts.single.0.to`Premium	number	`11925`
`changes.bracketShifts.single.0.shiftPercent`Premium	number	`2.802`
`changes.bracketShifts.married_filing_jointly`Premium	array[6]
`changes.bracketShifts.married_filing_jointly.0.rate`Premium	number	`0.12`
`changes.bracketShifts.married_filing_jointly.0.from`Premium	number	`23200`
`changes.bracketShifts.married_filing_jointly.0.to`Premium	number	`23850`
`changes.bracketShifts.married_filing_jointly.0.shiftPercent`Premium	number	`2.802`
`changes.bracketShifts.married_filing_separately`Premium	array[6]
`changes.bracketShifts.married_filing_separately.0.rate`Premium	number	`0.12`
`changes.bracketShifts.married_filing_separately.0.from`Premium	number	`11600`
`changes.bracketShifts.married_filing_separately.0.to`Premium	number	`11925`
`changes.bracketShifts.married_filing_separately.0.shiftPercent`Premium	number	`2.802`
`changes.bracketShifts.head_of_household`Premium	array[6]
`changes.bracketShifts.head_of_household.0.rate`Premium	number	`0.12`
`changes.bracketShifts.head_of_household.0.from`Premium	number	`16550`
`changes.bracketShifts.head_of_household.0.to`Premium	number	`17000`
`changes.bracketShifts.head_of_household.0.shiftPercent`Premium	number	`2.719`

Failure modes

Errors come back as tool errors carrying a sentence the model can act on, not a bare status code. Error handling covers the full list.

Status	What it means
`400` / `422`	The arguments did not validate. The message names the offending one.
`401`	The OAuth session is invalid or expired — reconnect the server.
`403`	Blocked by a key restriction or an IP allow-list. Never a bad identity.
`404`	This skill is not part of VerveKit. Check the catalog.
`429`	Out of credits, or a brief rate limit. The message tells them apart.

A call costs 2 credits each time the tool actually runs; a model that reasons about the tool without calling it costs nothing.

Use cases

Payroll Withholding Engine: Payroll software matches employee gross pay against standard deductions and marginal rates to compute accurate federal tax withholdings.
Retirement Income Planning: When modeling pension and 401(k) drawdowns, financial advisory tools test projected distributions against married filing jointly brackets.
Mortgage Underwriting Review: Determine net monthly borrower income by evaluating gross salaries against federal deduction thresholds and rate tiers during credit assessments.
Tax Audit Reviews: Accounting platforms audit amended tax returns by checking declared earnings against historical rate bands and deduction amounts.

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