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2011 Marginal Tax Brackets

Your marginal tax bracket determines how much of the earnings from savings and investments you get to keep after taxes. Below are the four individual tax rate schedules for 2011:

Individual Tax Rate Schedules for 2011

Filing Status	Taxable Income ($)	Marginal Tax Bracket Rate (%)
Married Filing Jointly	0 to 17,000	10
	17,001 to 69,000	15
	69,001 to 139,350	25
	139,351 to 212,300	28
	212,301 to 379,150	33
	379,150 and higher	35
Head of Household	0 to 12,150	10
	12,151 to 46,250	15
	46,251 to 119,400	25
	119,401 to 193,350	28
	193,351 to 379,150	33
	379,150 and higher	35
Single	0 to 8,500	10
	8,501 to 34,500	15
	34,501 to 83,600	25
	83,601 to 174,400	28
	174,401 to 379,150	33
	379,150 and higher	35
Married Filing Separately	0 to 8,500	10
	8,501 to 34,500	15
	34,501 to 69,675	25
	69,676 to 106,150	28
	106,151 to 189,575	33
	189,575 and higher	35

Tax-Exempt and Taxable Yields Compared*

Tax-Exempt Yield (%)	Taxable Equivalent Yield (%) for Tax Rate of:
	15% Tax Bracket	25% Tax Bracket	28% Tax Bracket	33% Tax Bracket	35% Tax Bracket
2.0	2.35	2.66	2.77	2.98	3.08
2.5	2.94	3.33	3.47	3.73	3.85
3.0	3.53	4.00	4.17	4.48	4.62
3.5	4.18	4.66	4.86	5.22	5.38
4.0	4.71	5.33	5.55	5.97	6.15
4.5	5.29	6.00	6.25	6.71	6.92
5.0	5.88	6.66	6.94	7.46	7.69
5.5	6.47	7.33	7.63	8.20	8.46
6.0	7.06	8.00	8.33	8.95	9.23
6.5	7.65	8.66	9.02	9.70	10.00
7.0	8.24	9.33	9.72	10.44	10.77
*Federal income tax rates only. Does not include state income tax.

If you cannot find a specific rate on the chart you can compare yields by using the following formula:

Taxable equivalent yield = tax-free yield ÷ (100% - marginal tax bracket %)

Example: Assume you are in the 25% tax bracket, and have an account with a 4.5% tax-free yield. To get the equivalent taxable yield, divide 4.5% by 75% (100% - 25%). The taxable yield is 6.%.