Income Tax Calculator
See how much federal and state income tax is taken from your wages in 2026, along with Social Security and Medicare, and what percentage of your pay goes to tax overall.
How to Use the Income Tax Calculator
- Enter your salary or hourly pay.
- Choose your state and filing status.
- Add pre-tax deductions if you have them.
- Read federal, state and payroll tax and your effective rate.
What This Income Tax Calculator Estimates
It estimates income tax on wages: federal income tax after the standard deduction, state income tax, Social Security, Medicare and state payroll programs. It shows your effective tax rate (total tax divided by gross pay) and the federal marginal rate on your last dollar. It does not include investment income, self-employment tax, itemized deductions or credits other than the child tax credit.
2026 Federal Income Tax Brackets
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 to $12,400 | $0 to $24,800 | $0 to $17,700 |
| 12% | $12,400 to $50,400 | $24,800 to $100,800 | $17,700 to $67,450 |
| 22% | $50,400 to $105,700 | $100,800 to $211,400 | $67,450 to $105,700 |
| 24% | $105,700 to $201,775 | $211,400 to $403,550 | $105,700 to $201,750 |
| 32% | $201,775 to $256,225 | $403,550 to $512,450 | $201,750 to $256,200 |
| 35% | $256,225 to $640,600 | $512,450 to $768,700 | $256,200 to $640,600 |
| 37% | $640,600 and up | $768,700 and up | $640,600 and up |
Brackets apply to taxable income (wages minus the standard deduction and pre-tax deductions), not to gross pay.
Marginal Rate vs Effective Rate
Your marginal rate is the rate on your next dollar. Your effective rate is your total tax divided by your income and is always lower. Moving into a higher bracket only taxes the income above the threshold. See federal income tax withholding.
State Income Tax
Nine states, including Texas and Florida, do not tax wages. Others use flat or graduated rates. Pick your state to see its effect, or open a page from the state list.
Income Tax vs Payroll Tax
Income tax funds general government. Social Security and Medicare are separate payroll taxes on wages. This calculator shows them together so you can see the full amount taken from a paycheck. Details: paycheck taxes explained.
Example Scenarios
A single filer on $85,000 in California pays federal, California and payroll taxes. Compare the same salary in Texas to see the state effect.
Frequently Asked Questions
How much income tax will I pay on my salary?
Enter your salary and state above to see an estimate of federal and state tax and your effective rate.
What is the federal income tax rate for 2026?
Rates run from 10% to 37% across seven brackets. See the table above.
Do all states have income tax?
No. Several states, including Texas, Florida and Washington, have no tax on wages.
Is this the same as a tax return calculator?
No. It estimates tax on wages. A full return can include other income, deductions and credits.
How accurate is this income tax calculator?
It is an estimate of tax on wages, using the standard deduction and 2026 brackets. Investment income, self-employment tax and itemized deductions are not included.
Does it include payroll taxes?
Yes. Social Security and Medicare are shown next to income tax so you see everything taken from a paycheck.
How these numbers are figured: 2026 IRS withholding rules (Publication 15-T) and state figures last verified September 2026. Results are estimates. Read the full methodology and sources.
Related Calculators and Guides
Want a state-specific result? Try California, Texas, New York, Florida.
or see all state calculators.