You need to look at all your taxable income, subtract your standard deduction or itemized deductions, and then look at the table that applies to your marital status. And, remember that even if your income places you in the 22% bracket, that only applies to the top end of your income. Some of your income will still be taxed at 10% and 12%. And, don't forget that social security benefits may be tax-free, or partly taxable (up to 85% of your benefit may be included in your taxable income) depending on all your other income.
