One thing to remember too on which tax bracket you are in, is that just because your income is in a certain bracket, that's not the rate you pay on all your income. Even if your in the 25% bracket, the first part of your income is only taxed at 10%, then the next at 15%, and only what's above that limit, at 25%. So you might only actually be paying 12% total taxes on your income, even if you are in the 25% bracket.