Finance · U.S. federal tax

Income tax calculator

Estimate your U.S. federal income tax by bracket, plus your effective rate, marginal rate, and after-tax income.

Income details

Estimated federal tax
—
Federal income tax only — state tax and FICA not included
Taxable income—
Effective tax rate—
Marginal tax rate—
After-tax income—

Rough sheet

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How your tax is estimated

This calculator applies the U.S. federal progressive tax bracket system: your income is taxed in layers, with each layer only taxed at the rate for that bracket — not your entire income taxed at your top (marginal) rate. Your taxable income is your gross income minus your standard or itemized deduction (and any pre-tax contributions), and the brackets and standard deduction amounts used here are updated for the selected tax year.

Frequently asked questions

No — this calculator estimates U.S. federal income tax only. State income tax, FICA (Social Security and Medicare), and local taxes are not included.

The U.S. uses a progressive system, so only the income inside each bracket is taxed at that bracket’s rate — not your entire income at your top marginal rate. Your effective rate is the blended average across all brackets.

Traditional 401(k) and IRA contributions, HSA contributions, and traditional pre-tax payroll deductions all reduce the income the IRS taxes. Enter the total amount you expect to contribute for the year.