Income Tax Calculator
Estimate your 2026 federal + state income tax. Uses IRS Rev. Proc. 2025-32 brackets with per-filing-status standard deductions ($16,100 single / $32,200 MFJ).
Total Tax Liability
$16,335
Net after tax: $58,665/year
| Category | Amount | Rate |
|---|---|---|
| Gross Income | $75,000 | 100% |
| Federal Income Tax | $7,670 | 10.2% |
| State Income Tax (California) | $2,928 | 3.9% |
| Social Security | $4,650 | 6.2% |
| Medicare | $1,088 | 1.5% |
| Total Tax | $16,335 | 21.8% |
| After-Tax Income | $58,665 | 78.2% |
How This Is Calculated
This income tax calculator estimates your total annual tax liability by applying federal income tax, state income tax, and FICA to your gross income.
Federal income tax uses IRS 2026 progressive brackets (Rev. Proc. 2025-32). Taxable income = gross income − standard deduction ($16,100 single / $32,200 married joint / $16,100 married separately / $24,150 head of household). Brackets range from 10% to 37%.
State income tax depends on your state's tax structure. 9 states (AK, FL, NV, NH, SD, TN, TX, WA, WY) have no income tax on wages. 15 use flat rates (e.g., Colorado 4.40%, Illinois 4.95%, Pennsylvania 3.07%). 27 use progressive brackets (e.g., California up to 13.3%, New York up to 10.9%). This calculator uses each state's published 2026 rates.
FICA includes Social Security (6.2% on wages up to 184,500) and Medicare (1.45% on all wages, plus 0.9% Additional Medicare Tax above $200K single / $250K married jointly).
Based on IRS 2026 federal tax brackets (Rev. Proc. 2025-32) and published state tax rates. Standard deduction applied: $16,100 single / $32,200 married joint. FICA: 6.2% Social Security up to 184,500 wage base + 1.45% Medicare (+ 0.9% Additional Medicare above $200K single).
See our full methodology for every formula, data source, and assumption, including pre-tax deductions not modeled here.
Who should use this
Anyone who wants to preview their total annual income-tax burden — useful for tax planning, estimating a year-end bill/refund, or comparing tax liability across states before relocating.
Key inputs
- Gross income — total taxable wages, salary, or self-employment income
- State — 9 states have no income tax; rates range up to 13.3% (CA top marginal)
- Filing status — single, MFJ, MFS, or HOH (changes brackets + standard deduction)
How to interpret results
Effective rate above 20% (single) or 25% (MFJ) is common only above $150,000 income. Marginal ≠ effective: a single filer at $75,000 has a 22% marginal rate but a ~9.5% effective federal rate after the standard deduction. For self-employment income, also see ourself-employment tax calculator (adds 15.3% SE tax).
Frequently Asked Questions
How is federal income tax calculated?
What is the standard deduction for 2026?
How does state income tax work?
What is the difference between effective and marginal tax rate?
Does this include FICA taxes?
Understand your income tax
Recommended reading for tax planning
Affiliate Disclosure:As an Amazon Associate, CentCalc earns from qualifying purchases. This means if you click an affiliate link and make a purchase on Amazon, we may receive a small commission at no additional cost to you. This helps support our free calculators. We only recommend products we believe are genuinely helpful.
JK Lasser Your Income Tax 2026
The definitive annual tax guide. Covers federal brackets, state-by-state differences, and deduction strategies our calculator can't factor in.
Check price on AmazonTaxes Made Simple (2026 Edition)
Lists key deductions and credits you might miss. The average taxpayer overpays — this book helps you find what you're owed.
Check price on AmazonRelated Calculators
CentCalc Pro is coming — compare scenarios, export PDF, save history
- Side-by-side scenarios
- Export to PDF / CSV
- Save calculation history
Estimates only. Actual tax depends on deductions, credits, and personal circumstances. Consult a tax professional.