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🇺🇸 US Federal Income Tax Calculator 2026
Federal income tax for 2026 runs from 10% to 37% across seven brackets, applied to earnings after the standard deduction ($16,100 for single filers). You also pay FICA out of every paycheck: 6.2% for Social Security (capped at $184,500) and 1.45% for Medicare with no cap. State income tax is not included here. Rates vary from zero in Texas, Florida, and Nevada to over 13% in California, so where you live makes a real difference to your final take-home. At $80,000 gross, a single filer pays around $8,800 in federal income tax and $6,100 in FICA, for a combined federal deduction of roughly $14,900, or about 19% of gross. Before state tax, take-home is approximately $65,000.
United States Income Tax Brackets
Brackets apply to taxable income after the $16,100 standard deduction (single filer).
| Income band | Rate |
|---|---|
| $0 – $12,400 | 10.00% |
| $12,400 – $50,400 | 12.00% |
| $50,400 – $105,700 | 22.00% |
| $105,700 – $201,775 | 24.00% |
| $201,775 – $256,225 | 32.00% |
| $256,225 – $640,600 | 35.00% |
| $640,600 and above | 37.00% |
Take-home pay examples
| Gross / year | Net / year | Net / month |
|---|---|---|
| $50,000 | $42,355 | $3,530 |
| $80,000 | $65,110 | $5,426 |
| $120,000 | $93,250 | $7,771 |
| $200,000 | $148,927 | $12,411 |
Employee figures only, standard deductions applied. Pension contributions, benefits in kind, and other personal factors are not included.
Data & assumptions
- Tax year
- 2026
- Last updated
- 2026-07-17
- Employment assumption
- Full-time employee, single filer
Figures are estimates based on standard deductions and do not account for pension contributions, benefits in kind, or individual circumstances. See our methodology for how these numbers are calculated.
Frequently Asked Questions
Does this include state income tax?
No. Only federal income tax and FICA are included. State rates vary widely: California tops out at 13.3%, New York at 10.9%, while Texas, Florida, Washington, and several others charge nothing. If you want a more complete number, add your state rate on top of what this calculator shows.
What is FICA?
FICA covers two taxes: Social Security at 6.2% on earnings up to $184,500, and Medicare at 1.45% on everything. You and your employer each pay equal shares, so the combined rate is 15.3%. If you're self-employed, you pay the full 15.3% yourself as self-employment tax.
Are 401(k) or HSA contributions deducted before tax?
Yes. Pre-tax 401(k) contributions (up to $23,500 in 2026) and HSA contributions reduce your taxable income, so your actual federal tax bill ends up lower than what this calculator shows. We start from gross salary, so those deductions aren't factored in.
What is an effective federal tax rate and how does it differ from my marginal rate?
Your marginal rate is the rate on your last dollar of income: 22% for taxable income between $50,400 and $105,700 above the standard deduction. Your effective rate is total tax divided by gross income. At $80,000 gross, federal income tax is around $8,800, making the effective rate roughly 11%. The gap exists because lower portions of your income were taxed at 10% and 12% first. Most people sit well below their marginal bracket when looking at their overall bill.
What is a good salary in the US?
It depends heavily on location. In San Francisco or New York City, $130,000 gross may still feel tight for a single person once rent is factored in. In Austin, Denver, or Chicago, $80,000–100,000 gross provides a comfortable lifestyle. The US median household income is roughly $80,000. Tech salaries at major companies in coastal cities commonly reach $150,000–250,000 in base pay, often with significant equity on top. The figures here are federal only; state tax adds roughly 0% to 13% depending on where you live.
Which states have no income tax?
Nine states charge no personal income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Residents of those states keep the full amount shown in this calculator, with no state tax on top. California and New York have the highest state rates, at 13.3% and 10.9% respectively, making a very significant difference to real take-home for high earners.