Does this include state tax?

No. This is US federal only. State income tax (where applicable) is a separate calculation, with very different brackets in each state.

FICA (Social Security 6.2% + Medicare 1.45%) is a separate payroll tax. We exclude it here so the federal-income-tax brackets are crisp; salary-after-tax includes both.

Income Tax Estimator (US Federal)

Estimate your US federal income tax with progressive brackets.

Gross annual income

Filing status

Use standard deduction ($15,000.00)

Taxable income

Federal tax

After-tax

Effective rate

Marginal rate

US federal income tax only - does not include FICA (Social Security 6.2% + Medicare 1.45%), state or local tax, AMT, credits (CTC, EITC), or NIIT. Not legal or tax advice; consult a CPA for filings.

Enter gross income and filing status. We apply the federal progressive tax brackets and either the standard deduction or your itemised amount, and report federal tax owed, after-tax take-home, effective rate and marginal rate. US federal only - does not include FICA, state, city or AMT.

How to use it

Enter gross income
Your annual W-2 wages, 1099 income or self-employment income - before any deductions.
Pick a filing status
Single, married filing jointly, or head of household. Brackets shift up significantly for MFJ.
Choose deduction
The standard deduction is pre-selected at the current-year amount. Uncheck to enter an itemised total instead.

What is it?

The US federal income tax is a progressive tax: different slices of taxable income are taxed at different rates. Each year the IRS publishes updated brackets, the standard deduction, and the personal-exemption amount. This estimator applies those brackets to taxable income (= gross income − deduction) and reports the resulting tax, alongside two derived metrics: effective rate (tax ÷ gross) and marginal rate (the bracket your next dollar would fall into).

When to use it

Budgeting for the year, evaluating a job offer net of taxes, deciding between filing statuses (single vs MFJ vs HOH), or sanity-checking your employer's withholding before the year ends. The marginal-rate output is especially useful when deciding whether a deductible expense (retirement contribution, HSA, charitable donation) is worth it.

Common mistakes

Confusing marginal rate with effective rate. Your highest dollar is taxed at the marginal rate, but the entire income is taxed at the (lower) effective rate. People sometimes refuse a raise because 'I'll be in a higher bracket' - but only the dollars above the bracket threshold pay the higher rate, so a raise always nets out positive. Also: don't confuse a federal tax estimate with your total tax burden (state, FICA, city all add up).

FAQ

Does this include state tax?: No. This is US federal only. State income tax (where applicable) is a separate calculation, with very different brackets in each state.
What about FICA?: FICA (Social Security 6.2% + Medicare 1.45%) is a separate payroll tax. We exclude it here so the federal-income-tax brackets are crisp; salary-after-tax includes both.