Calculate your total tax burden including federal, FICA, and state taxes. See rates and take-home income.
What is a Tax Calculator?
Calculate your total tax burden - federal income tax, Social Security, Medicare, and state taxes. See your effective rate, bracket breakdown, and take-home pay.
How to Use
Using the tax calculator is very simple:
Enter your values in the input fields
Click the calculate button
View the results instantly
Tips
Double-check your inputs for accurate results
This tool is for estimation - consult a professional for important decisions
Save your results for future reference
Frequently Asked Questions
What taxes does this calculator include?+
This calculator estimates four taxes: federal income tax (using 2026 brackets), Social Security tax (6.2%, up to $176,100), Medicare tax (1.45%, plus an extra 0.9% on income over $200,000), and state income tax. It does not include local taxes, self-employment tax, or capital gains tax.
Is this calculator accurate?+
This provides a reliable estimate for W-2 employees. Actual taxes depend on many factors, including tax credits (Child Tax Credit, Earned Income Tax Credit), additional income sources, and state-specific rules. Use it as a planning tool, not a substitute for filing.
Why is my effective rate lower than my bracket?+
Tax brackets are marginal - only the income within each bracket is taxed at that rate. If you earn $85,000 (single), your first $11,925 is taxed at 10%, the next portion at 12%, and so on. Your effective rate averages all brackets, so it is always lower than your highest marginal bracket.
Do 401(k) contributions reduce my taxes?+
Yes. Traditional 401(k) contributions are pre-tax, meaning they reduce your federal and state taxable income. Contributing $10,000 to a 401(k) while in the 22% bracket saves about $2,200 in federal tax alone. This calculator accounts for 401(k) and HSA contributions.
Which states have no income tax?+
Nine states have no income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. However, these states typically make up the revenue through higher sales taxes, property taxes, or other fees.
What are FICA taxes?+
FICA stands for the Federal Insurance Contributions Act. It includes Social Security tax (6.2% on the first $176,100 of income) and Medicare tax (1.45% on all income, plus an additional 0.9% on income over $200,000). Your employer pays an equal amount.