US Income Tax Calculator
Use this US income tax calculator to estimate federal and state tax on your gross income by filing status and see your after-tax income.
What it does
The US Income Tax Calculator estimates federal and state income tax on your gross income by filing status, and your after-tax income.
Data sources & parameters
The figures below drive this calculator. We keep them aligned with the latest official guidance, and each result recalculates automatically whenever a value changes.
| Parameter | Value | Source | Last updated |
|---|---|---|---|
| Standard deduction, single | 16,100 | irs.gov | Effective 2026-01-01 |
| Standard deduction, married joint | 32,200 | irs.gov | Effective 2026-01-01 |
| Standard deduction, married separate | 16,100 | irs.gov | Effective 2026-01-01 |
| Standard deduction, head of household | 24,150 | irs.gov | Effective 2026-01-01 |
| Federal brackets, single | Rate schedule | irs.gov | Effective 2026-01-01 |
| Federal brackets, married joint | Rate schedule | irs.gov | Effective 2026-01-01 |
| Federal brackets, married separate | Rate schedule | irs.gov | Effective 2026-01-01 |
| Federal brackets, head of household | Rate schedule | irs.gov | Effective 2026-01-0124%/32% boundary corrected from 201,775 (the single-filer figure) to 201,750 for head of household; other bands unchanged. Source: IRS Rev. Proc. 2025-32 sec. 3.01 Table 2. audit 2026-09-23 |
| Schedule 1-A phase-out step | 1,000 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
| Qualified tips deduction cap | 25,000 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
| Qualified tips deduction MAGI threshold | 150,000 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
| Qualified tips deduction MAGI threshold, married filing jointly | 300,000 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
| Qualified tips deduction reduction per phase-out step | 100 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
| Qualified overtime deduction cap | 12,500 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
| Qualified overtime deduction cap, married filing jointly | 25,000 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
| Qualified overtime deduction MAGI threshold | 150,000 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
| Qualified overtime deduction MAGI threshold, married filing jointly | 300,000 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
| Qualified overtime deduction reduction per phase-out step | 100 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
| Qualified passenger vehicle loan interest deduction cap | 10,000 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
| Vehicle loan interest deduction MAGI threshold | 100,000 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
| Vehicle loan interest deduction MAGI threshold, married filing jointly | 200,000 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
| Vehicle loan interest deduction reduction per phase-out step | 200 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
| Enhanced deduction for seniors, per qualifying individual | 6,000 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
| Enhanced senior deduction MAGI threshold | 75,000 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
| Enhanced senior deduction MAGI threshold, married filing jointly | 150,000 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
| Enhanced senior deduction phase-out rate | 0.06 | irs.gov | Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged. |
We always strive to use the latest data for every variable so our results and reports are as accurate as possible. Even so, errors are possible — you should not rely on this tool or its report alone, and we accept no liability for any decision made based on it.
The formula
Federal tax = sum of (income in each bracket × rate); total = federal + state
How it works
It applies the federal tax brackets for your filing status to taxable income and adds state tax at the rate you enter.
Where it is used
- Estimating federal and state income tax
- Comparing filing statuses
- Checking take-home income
Worked example
On $80,000.00 as a single filer with a 5% state rate, federal tax is … and state tax … — total …, leaving … at an effective rate of ….
What the income tax calculator does
The income tax calculator estimates the federal and state income tax on your gross income and your after-tax income. It applies the federal brackets for your filing status and adds state tax at the rate you enter.
Job offers and contracts quote gross salary, but what reaches your bank account is the after-tax amount, and federal and state tax both come out of it. Converting one to the other is a useful first step before any decision that depends on income.
Why filing status matters
Single, married filing jointly, married filing separately and head of household each have their own brackets and thresholds, so the same income can produce different tax. For couples, filing jointly or separately can lead to noticeably different results depending on the mix of incomes; when there are two earners, the status decides whether the incomes are taxed together, which changes the bracket each dollar falls into. Confirm which status applies to you.
How the calculation works
- It applies the federal brackets for your filing status to your taxable income.
- It adds state income tax at the rate you enter.
- It combines the two for your total income tax.
- It subtracts the total from your gross income for the after-tax amount.
Only the income within each federal bracket is taxed at that bracket’s rate, so moving into a higher bracket never lowers your take-home pay.
State income tax
Some states charge a flat rate, others use progressive brackets, and a few have no income tax, so you enter your state rate directly; enter zero for a state with no income tax. State tax is often overlooked when comparing job offers or relocating: a higher salary in a state with income tax can leave less in hand than a slightly lower salary in a state without one.
Deductions and taxable income
Tax is based on taxable income, not gross pay. Most filers take the standard deduction or itemize, whichever is larger, and because deductions lower the base before the brackets apply, they can move income out of a higher bracket. The calculator works from the income you enter, so consider deductions when choosing that figure, and confirm the details with a tax professional.
What you need to enter
- Your gross annual income.
- Your filing status.
- Your state income tax rate.
If your income varies through the year, enter your expected annual total instead of scaling up a single paycheck, since the brackets apply to the full year.
Reading your result
The output shows federal tax and state tax separately, then your after-tax income, which helps when weighing a move to another state. Deductions, credits and additional income can change the actual outcome. Brackets and state rules change over time, so recalculate when your income, filing status or state changes.
This is general information only and not financial advice.
About This Income Tax Calculator
Use this income tax calculator to get an instant, accurate estimate. The figures follow official IRS guidance and every rate and threshold is kept up to date for 2026. Adjust the inputs above to match your situation, or browse all our calculators to plan your next step.
Tax year 2026
Frequently asked questions
What does this income tax calculator do?
How does filing status change the result?
Is state tax included?
Does it include payroll taxes?
Are the figures current?
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