Income Tax Calculator
Estimate your federal and state income tax, FICA, and take-home pay.
Tax Breakdown
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Take-Home Pay Schedule
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Federal Tax Brackets Applied
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Official Tax Rate Sources
This calculator provides estimates only. It uses the standard deduction and does not account for itemized deductions, tax credits, local/city taxes, or other adjustments. Consult a tax professional for your specific situation. U.S. federal and state taxes only.
This tool is for informational and educational purposes only. It is not a substitute for professional financial, medical, legal, or engineering advice. See Terms of Service.
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Request a ToolHow to Use the Income Tax Calculator
This calculator estimates your total tax burden, including federal income tax, state income tax, and FICA (Social Security and Medicare). Follow these steps:
- Select your tax year. Choose 2026 (current year) or 2025 (for filing). The calculator uses the official IRS brackets for each year.
- Choose your filing status. Single, Married Filing Jointly, Married Filing Separately, or Head of Household. Your filing status affects your tax brackets and standard deduction.
- Select your state. All 50 states plus D.C. are included. States with no income tax (like Texas and Florida) will show $0 state tax.
- Enter your income. Wage income is subject to FICA taxes. Other ordinary income and long-term capital gains are taxed at different rates.
- Review results. See your total tax, effective rate, and take-home pay. The breakdown shows federal, state, and FICA taxes separately.
About Income Tax Calculation
The U.S. uses a progressive (graduated) federal income tax system with seven brackets ranging from 10% to 37%. Your tax is not a flat percentage. Instead, each portion of your income is taxed at the rate for that bracket. The standard deduction is subtracted from your gross income before brackets are applied. For 2026, the single standard deduction is $16,100 and married filing jointly is $32,200.
FICA taxes fund Social Security (6.2% up to $184,500 in 2026) and Medicare (1.45% on all wages, plus 0.9% on wages over $200,000 for single filers). These are calculated on wage income only, not on investment income.
All calculations run in your browser. No data is sent to any server.
Frequently Asked Questions
How accurate is this calculator?
This calculator uses the official IRS tax brackets and standard deduction for the selected year. It provides a reasonable estimate for most taxpayers. However, it does not account for itemized deductions, tax credits (child tax credit, education credits, etc.), alternative minimum tax, or local/city taxes. Your actual tax liability may differ. Use this as a planning tool, not a substitute for tax software or a CPA.
What is the difference between marginal and effective tax rate?
Your marginal tax rate is the rate applied to your last dollar of income (your highest bracket). Your effective tax rate is the total tax divided by your total income, which is always lower than your marginal rate because of the progressive bracket system. For example, a single filer earning $75,000 in 2026 has a 22% marginal rate but an effective federal rate of about 10.2%.
Why is my take-home pay so much less than my salary?
Your gross salary is reduced by federal income tax, state income tax (unless you live in a no-tax state), Social Security tax (6.2%), and Medicare tax (1.45%). Together, these can reduce your take-home pay by 25% to 40% or more depending on your income level and state. Benefits deductions (health insurance, 401k) would further reduce take-home pay but are not included in this estimate.
Which states have no income tax?
Eight states have no individual income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, and Wyoming. Washington state taxes only capital gains (not wages). These states may have higher sales taxes or property taxes to compensate.