What tax year is this?

This uses 2025 IRS federal brackets (Rev. Proc. 2024-40) and 2025 state income tax rates from the Tax Foundation — the numbers you'll owe on returns filed in 2026.

Which states are covered?

All 50 states plus DC. Nine have no state income tax on wages: Alaska, Florida, Nevada, New Hampshire (taxes dividends/interest only), South Dakota, Tennessee, Texas, Washington (wages exempt; capital gains tax exists), and Wyoming. The rest are flat-rate or progressive.

Do I enter taxable income or gross income?

Enter taxable income — your gross income minus deductions (standard or itemized) and adjustments. Federal brackets apply to taxable income. This calculator uses the same figure for state purposes as a simplification; actual state taxable income can differ because state standard deductions and addbacks vary.

How is FICA calculated?

Social Security: 6.2% on wages up to the 2025 wage base of $176,100. Medicare: 1.45% on all wages. Additional Medicare: 0.9% on wages above $200,000 (single/HoH), $250,000 (MFJ), or $125,000 (MFS). Self-employment is not modeled — self-employed owe double (15.3%).

What's the difference between marginal and effective rate?

Marginal rate is the bracket your last dollar falls in (e.g., 24% federal + 9.3% California = 33.3% combined). Effective rate is total tax divided by taxable income — always lower than marginal because earlier dollars are taxed at lower brackets.

AMT, tax credits (EITC, CTC, etc.), local income taxes (e.g., NYC 3.876%, Philadelphia 3.75%), self-employment tax, non-wage FICA exclusions, and state-specific addbacks or tax credits. Treat this as an estimate, not a filing-grade calculation.

Tax Bracket Calculator (Federal + State + FICA)

Finance· 18 tools

Free US tax calculator covering federal income tax, state income tax for all 50 states and DC, and FICA (Social Security 6.2% + Medicare 1.45% + Additional Medicare 0.9%). Enter taxable income and filing status (single, MFJ, MFS, HoH), pick your state, and see total tax owed, take-home pay, effective rate, combined marginal rate, and a per-bracket federal breakdown. Uses 2025 IRS brackets and 2025 Tax Foundation state rates.

Taxable income (USD)

Gross income minus standard or itemized deductions.

Filing status

State

Include FICA (Social Security 6.2% + Medicare 1.45%)

2025 IRS + state brackets · Tax Foundation data

Estimates only · AMT, credits, local taxes (NYC, etc.), and non-wage FICA exclusions not modeled.

Total tax (CA)

$20,669

Take-home: $54,331

Federal

$11,414

State

$3,517

FICA

$5,738

Effective rate

27.6%

Marginal (fed + state)

31%

Federal bracket breakdown

Bracket	Taxable	Tax
10%	$11,925	$1,193
12%	$36,550	$4,386
22%	$26,525	$5,836

CA state bracket breakdown

Bracket	Taxable	Tax
1%	$10,756	$108
2%	$14,743	$295
4%	$14,746	$590
6%	$15,621	$937
8%	$14,740	$1,179
9.3%	$4,394	$409

Frequently Asked Questions

References

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Frequently Asked Questions

References and sources

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