Income Tax Calculator US
Estimate income tax and effective rate from taxable income (simplified).
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How it works
This applies a single effective tax rate to your taxable income for a quick estimate. Real tax uses progressive bands and reliefs, so adjust the rate or treat the result as a rough guide only.
Tax = Income × effective rateFrequently asked questions
How do US federal tax brackets work?
Income is taxed in bands from 10% up to 37%; only the income inside each band is taxed at that band’s rate, so your effective rate is lower than your top bracket.
What is the standard deduction?
It is an amount subtracted from your income before tax is calculated, reducing your taxable income. Most filers take it rather than itemising.
Do I pay state income tax too?
In most states, yes — state income tax is charged on top of federal tax. A few states have no state income tax.
What is the difference between marginal and effective rate?
Your marginal rate is the rate on your top band; your effective rate is total tax divided by total income, which is lower.
Will a raise push all my income into a higher bracket?
No. Only the income above each threshold is taxed at the higher rate.
Is this my exact take-home pay?
No — it is a simplified federal estimate that excludes state tax, FICA and credits. Check IRS figures for the current year.
Income Tax Calculator
Income tax is charged in slices: each band of income is taxed at its own rate, so only the part that falls inside a higher band is taxed at that higher rate. This calculator gives a simplified estimate of the tax on your earnings and the take-home pay left over.
Marginal vs effective rate
Your marginal rate is the rate on your next unit of income (your top band). Your effective rate is total tax divided by total income, and is always lower because the early bands are taxed less. A pay rise can never leave you worse off — only the income above a threshold is taxed at the higher rate.
US federal income tax
Federal income tax is progressive, with rates from 10% to 37% across several brackets. A standard deduction reduces your taxable income before the brackets apply, and most states charge their own income tax on top. This tool estimates the federal portion.
This is a simplified estimate. Levies, credits, deductions and local taxes can change the final figure — check your official tax authority for exact, current-year amounts.
Results are estimates for general guidance in United States and may not reflect the latest local rates, fees or rules. Check official sources before making decisions.