Tax Estimator

Estimate your federal, state, and FICA taxes. See which tax bracket you're in, calculate effective tax rates, and understand the full tax impact on your income.

For Relocating ~2 min

Your Tax Profile

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Check your state's income tax rate. TX, FL, WA, NV have 0% state income tax.
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Enter your details to see a detailed tax breakdown.

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How US Income Tax Works

Understanding how US income tax is calculated helps with financial planning, salary negotiations, and ensuring you're not over- or under-withholding. This estimator breaks down the main components of federal and state taxes.

The Components of US Income Tax

Your total tax burden typically includes:

1. Federal Income Tax

Progressive tax brackets mean higher income is taxed at higher rates. For 2024 (Single filers):

  • 10% on income up to $11,600
  • 12% on income $11,601 - $47,150
  • 22% on income $47,151 - $100,525
  • 24% on income $100,526 - $191,950
  • 32% on income $191,951 - $243,725
  • 35% on income $243,726 - $609,350
  • 37% on income over $609,350

Note: These are taxable income amounts after standard/itemized deductions.

2. FICA Taxes (Social Security + Medicare)

  • Social Security: 6.2% on income up to $176,100 (2025 wage base)
  • Medicare: 1.45% on all earned income
  • Additional Medicare Tax: 0.9% on income over $200,000 (single) or $250,000 (married)

Total FICA = 7.65% for most earners (6.2% + 1.45%).

3. State Income Tax

State rates vary widely: California ~9-12%, New York ~4-10%, Texas/Florida/Washington = 0%. Some states have flat rates, others progressive brackets. Check your specific state.

How the Estimator Works

This calculator:

  1. Subtracts standard deduction based on filing status from gross income
  2. Applies federal tax brackets to calculate progressive tax
  3. Adds Social Security (capped at wage base) and Medicare taxes
  4. Applies state tax rate you provide
  5. Shows effective tax rate (total tax ÷ gross income)

Example Calculation

Single filer, $75,000 gross, California (9% state), no pre-tax deductions:

  • Federal (after $14,600 deduction): ~$7,600
  • Social Security: $4,468 (6.2% of $72,076 after SS cap not reached)
  • Medicare: $1,088 (1.45%)
  • State: $5,433 (9%)
  • Total deductions: ~$18,589
  • Effective rate: 24.8%
  • Take home: ~$56,411

Related Tools

For more comprehensive financial planning:

This estimator uses simplified calculations based on 2024 tax brackets. For precise tax planning, consult the IRS Publication 15 or a tax professional.