US Tax Calculator
Estimate your federal, state, FICA, and local taxes. Forward calculator: see your take-home pay. Reverse calculator: find the gross income needed for your target after-tax income.
After-Tax Income (Take-Home Pay)
$74,413.53
Total Tax
$25,586.47
Federal Income Tax
$13,448.66
FICA (SS + Medicare)
$7,650
State Tax
$4,487.81
Local Tax
$0
Effective Tax Rate
25.59%
Marginal Tax Rate
22%
Frequently Asked Questions
How accurate is this tax calculator?
This calculator provides estimates using official IRS tax brackets, standard deductions, FICA rates, and state tax data for 2025 and 2026. It covers all 50 states and major local tax jurisdictions. However, it does not account for itemized deductions, tax credits, capital gains, or self-employment deductions. Consult a CPA or tax professional for precise calculations.
What is the difference between marginal and effective tax rate?
Your marginal tax rate is the rate on your last dollar of income — the highest bracket you fall into. Your effective tax rate is your total tax divided by total income. For example, a single filer earning $100,000 in 2025 has a 22% marginal rate but only about 15% effective rate.
Does this include Social Security and Medicare taxes?
Yes. FICA taxes include Social Security (6.2% up to the annual wage base — $176,100 in 2025) and Medicare (1.45% on all earnings, plus an additional 0.9% above $200,000 for single filers). Self-employed individuals pay both the employee and employer portions (15.3% total).
Which states have no income tax?
Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire (taxes interest/dividends only), South Dakota, Tennessee, Texas, Washington (taxes capital gains over $250K), and Wyoming.
What local taxes are included?
This calculator includes local income taxes for major cities and counties in 16 states, including NYC, Yonkers, Philadelphia, Pittsburgh, Cleveland, Columbus, Cincinnati, Detroit, Louisville, Baltimore, Kansas City, St. Louis, Portland (OR), and Denver, plus all 92 Indiana counties.