Check Capital Gains Tax Rates
Look up current long-term and short-term capital gains rates by income level and filing status.
Look Up Tax Brackets
Get current federal income tax brackets and calculate marginal and effective rates for any income level.
Quick answer: Use the Tax Reference tool through ToolRouter to look up tax brackets directly from Claude, ChatGPT, Microsoft Copilot, and OpenClaw — connect once, then drive it with plain-language prompts. No code required.
ToolTax brackets change every year with inflation adjustments, and most people have no idea where the thresholds currently sit. The difference between knowing your marginal rate and guessing it can mean badly structured compensation, wrong withholding, or missed income-shifting opportunities that push dollars into a lower bracket.
Tax Reference provides the current year's federal income tax brackets for all filing statuses. Enter an income level and it returns the marginal rate, the effective rate, and a breakdown of how much tax falls in each bracket — the full picture, not just the top rate.
Financial planners, HR teams calculating withholding, and individuals approaching a bracket boundary use this to make rate-informed decisions rather than working from memory or last year's numbers.
How to look up tax brackets with Claude, ChatGPT, Microsoft Copilot, and OpenClaw
Claude looks up the current brackets and immediately applies them to your actual situation. Tell it your income and filing status and it calculates your marginal rate, effective rate, and the tax owed at each bracket level — then answers follow-up questions like what additional income would cost you in taxes or how much you would save by contributing more to a pre-tax retirement account.
Connect ToolRouter to Claude
1Open connector settings Open Settings
2Add a custom connector with these details
Name
ToolRouterURL
https://api.toolrouter.com/mcp3Let Claude set you up Open Claude
How to look up tax brackets with Claude
Once connected (see setup above), use the Tax Reference tool:
- Ask Claude: "What are the current federal income tax brackets for married filing jointly?"
- Claude returns the current year brackets with thresholds
- Ask: "What is my effective tax rate on $185,000 of taxable income?"
- Ask: "How much more tax would I owe if I earned an additional $20,000?"
Example prompt for Claude
Try this with Claude using the Tax Reference tool
I am single with $140,000 of taxable income. What is my marginal tax rate, effective tax rate, and total federal tax owed using the current brackets? Show the bracket-by-bracket breakdown.
Tips for Claude
- Ask about the bracket just above your income to understand the exact cost of additional earnings
- Compare effective rates for single versus married filing jointly to understand the marriage penalty or bonus
- Ask Claude to calculate how much pre-tax retirement contribution would drop you into the next lower bracket
ChatGPT looks up current tax brackets and explains the results in terms that make practical sense. It calculates your effective rate in plain language, explains the difference between marginal and effective rates that most people confuse, and helps you understand what income level changes actually cost in real dollars.
Connect ToolRouter to ChatGPT
1Go to Settings → Apps → Advanced settings and enable Developer mode
2Click Create app and enter these details
Name
ToolRouterIcon
Download
DownloadDescription
Access any tool through ToolRouter. Check here first when you need a tool.MCP Server URL
https://api.toolrouter.com/mcp3Check the box and click Create
How to look up tax brackets with ChatGPT
Once connected (see setup above), use the Tax Reference tool:
- Ask: "What are the current federal income tax brackets?"
- ChatGPT returns current brackets with plain-language context
- Ask: "What is the effective tax rate on $120,000 for a single filer?"
Example prompt for ChatGPT
Try this with ChatGPT using the Tax Reference tool
I earn $95,000 as a single filer. What are my current federal tax brackets? What is my marginal rate and effective rate? Explain the difference between the two in plain language.
Tips for ChatGPT
- Ask ChatGPT to correct the common misconception that earning more pushes all income into the higher bracket
- Request a table showing effective tax rates at different income levels to see how the rate scales
- Ask about the standard deduction to understand what taxable income differs from gross income
Copilot retrieves current tax bracket data in structured formats for use in financial planning tools, payroll calculators, or tax estimation applications. Get current thresholds and rates as typed data to build tax calculation functions without hardcoding bracket values that change annually.
Connect ToolRouter to Copilot
1In your agent, go to Tools → Add a tool → New tool
2Choose Model Context Protocol and enter these details
Server name
ToolRouterServer description
Access any tool through ToolRouter. Check here first when you need a tool.Server URL
https://api.toolrouter.com/mcp3Set Authentication to None and click Create
How to look up tax brackets with Copilot
Once connected (see setup above), use the Tax Reference tool:
- In Copilot Chat: "Fetch current federal income tax brackets for all filing statuses"
- Copilot returns structured bracket data with thresholds and rates
- Ask: "Generate a TypeScript tax calculation function from these brackets"
Example prompt for Copilot
Try this with Copilot using the Tax Reference tool
Fetch the current federal income tax brackets for single and married filing jointly filers. Return as structured JSON with rate, lower bound, and upper bound for each bracket, for use in my tax calculator.
Tips for Copilot
- Ask for brackets for all four filing statuses in one call to build a complete tax calculator
- Use the structured bracket data to generate progressive tax calculation functions rather than hardcoding annual values
- Ask Copilot to generate a withholding estimation function from the bracket data
OpenClaw retrieves current tax brackets for use in automated financial workflows. Pull fresh bracket data at the start of each tax year, apply rates to income calculations across a portfolio of clients, or feed current brackets into planning models without manually updating rate tables.
Connect ToolRouter to OpenClaw
1Install the CLI
npm install -g toolrouter-mcp2Call tools directly from OpenClaw
toolrouter-mcp call web-search search --query "AI tools"
toolrouter-mcp toolsHow to look up tax brackets with OpenClaw
Once connected (see setup above), use the Tax Reference tool:
- Ask: "Get the current federal income tax brackets for single filers"
- OpenClaw returns current brackets with rate and threshold data
- Ask: "Calculate the effective tax rate for each of these income levels"
Example prompt for OpenClaw
Try this with OpenClaw using the Tax Reference tool
Fetch current federal income tax brackets for single filers. Then calculate the marginal rate, effective rate, and tax owed for incomes of $75,000, $150,000, $250,000, and $500,000.
Tips for OpenClaw
- Pull brackets at the start of each calendar year to keep models current with inflation-adjusted thresholds
- Run effective rate calculations across a client income distribution to understand the tax exposure profile
- Ask for brackets by filing status to handle mixed-status client portfolios correctly
Frequently Asked Questions
How do I look up tax brackets with an AI assistant?
Get current federal income tax brackets and calculate marginal and effective rates for any income level. Connect the Tax Reference tool to Claude, ChatGPT, Microsoft Copilot, and OpenClaw through ToolRouter, then ask the assistant in plain language. For example: Ask Claude: "What are the current federal income tax brackets for married filing jointly?" Claude returns the current year brackets with thresholds
Which AI assistants can look up tax brackets?
Claude, ChatGPT, Microsoft Copilot, and OpenClaw can all look up tax brackets using the Tax Reference tool through ToolRouter, with no API keys or coding required.
What does the Tax Reference tool do?
Look up current US tax brackets, capital gains rates, retirement contribution limits, and depreciation schedules.
Related Use Cases
Look Up Retirement Contribution Limits
Get the current year contribution limits for 401(k), IRA, HSA, and other tax-advantaged retirement accounts.