Income Tax Calculator

Federal income tax in the US uses a progressive bracket system — your income is divided into chunks, and each chunk is taxed at a different rate. For 2026, the brackets range from 10% on your first dollars earned up to 37% on income above $609,350 (single). The key thing to understand: only the income within each bracket gets that rate. A $75,000 earner doesn't pay 22% on everything — they pay 10% on the first $11,600, 12% on the next chunk, and 22% only on the amount above $47,150. That's why your effective rate is always lower than your marginal rate.

Before the brackets apply, you get the standard deduction: $15,000 for single filers, $30,000 for married filing jointly, or $22,500 for head of household. This comes off the top of your gross income. So a single person making $75,000 is only taxed on $60,000. Pre-tax deductions like 401(k) contributions and HSA deposits further reduce your taxable income — every dollar you contribute saves you at your marginal rate.

On top of federal income tax, there's FICA: 6.2% for Social Security (up to the $176,100 wage cap) and 1.45% for Medicare (no cap). Add 0.9% more Medicare if you earn above $200,000. That's 7.65% total for most earners, and it's calculated on your gross income before any deductions — including 401(k) contributions.

Then there's state income tax, which varies wildly. Texas and Florida: 0%. Illinois: 4.95% flat. California: 1%–13.3% progressive. New York: 4%–10.9% progressive, plus NYC residents pay an additional 3.078%–3.876% city tax. The state you live in can easily mean thousands of dollars difference on the same salary. This calculator handles all five states plus the federal calculation.

The bottom line: your income tax burden depends on three big factors — your filing status, your state of residence, and your pre-tax deductions. Use this calculator to see the full picture: federal tax, FICA, state tax, and your actual take-home pay.