How to use the US Income Tax Calculator 2026
- Enter your yearly gross salary.
- Choose your filing status.
- Add yearly pre-tax contributions such as a traditional 401(k) or HSA. These lower federal income tax.
- Optionally add an estimated state tax rate. Read your take-home pay per year, month and paycheck.
2026 federal income tax brackets (Rev. Proc. 2025-32)
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 | $0 – $17,700 |
| 12% | $12,401 – $50,400 | $24,801 – $100,800 | $17,701 – $67,450 |
| 22% | $50,401 – $105,700 | $100,801 – $211,400 | $67,451 – $105,700 |
| 24% | $105,701 – $201,775 | $211,401 – $403,550 | $105,701 – $201,750 |
| 32% | $201,776 – $256,225 | $403,551 – $512,450 | $201,751 – $256,200 |
| 35% | $256,226 – $640,600 | $512,451 – $768,700 | $256,201 – $640,600 |
| 37% | Over $640,600 | Over $768,700 | Over $640,600 |
Standard deduction 2026: $16,100 single, $32,200 married filing jointly, $24,150 head of household.
Social Security = 6.2% of wages up to $184,500Medicare = 1.45% of all wages + 0.9% above $200,000 ($250,000 joint)Worked examples
| Salary | Status | Federal tax | FICA | Take-home (before state) |
|---|---|---|---|---|
| $50,000 | Single | $3,820 | $3,825 | $42,355 |
| $75,000 | Single | $7,670 | $5,738 | $61,593 |
| $100,000 | Single | $13,170 | $7,650 | $79,180 |
| $150,000 | Married jointly | $15,340 | $11,475 | $123,185 |
| $250,000 | Single | $51,304 | $15,514 | $183,182 |
Marginal vs effective tax rate
Moving into a higher bracket only taxes the dollars above that line at the higher rate. A single filer with $75,000 salary is in the 22% bracket, but the effective federal rate on total salary is about 10%. Saving more in a 401(k) lowers taxable income at your marginal rate. See how savings grow with the Compound Interest Calculator, or plan a home with the Mortgage Calculator.
Frequently asked questions
How much federal tax do I pay on $60,000?
As a single filer in 2026, $60,000 minus the $16,100 standard deduction leaves $43,900 taxable, so federal income tax is about $5,020. FICA adds about $4,590.
What is the 2026 standard deduction?
$16,100 for single filers and married filing separately, $32,200 for married couples filing jointly and $24,150 for heads of household.
Does this include state income tax?
Only if you enter a rate. States range from 0% (for example Texas, Florida and Washington) to over 13% at the top in California.
What is the Social Security wage base for 2026?
$184,500. Wages above that are not subject to the 6.2% Social Security tax, but Medicare still applies.
Are tips and overtime tax-free in 2026?
The 2025 tax law created new deductions for some qualified tips and overtime pay, with income limits. This calculator does not include them, so your tax may be lower if you qualify.
Sources and references
Our team builds and tests every tool by hand, checks each formula against official sources (IRS, HMRC, the Income Tax Department of India, CBSE, NHS, WHO) and reviews pages whenever rules change. Last reviewed on . Spotted a mistake? Tell us.