Tax Calculator
Estimate your total annual tax — income tax, payroll tax, and state income tax — with your effective rate, marginal rate, and after-tax income. US and UK, for the current tax year.
A $75,000 salary (single, no state tax) owes about $13,827 in total tax for 2026 — an effective rate of 18.4%.
$13,827
Total tax on $75,000 (single, no state) for 2026
18.4%
Effective rate — total tax as a share of income
22.0%
Marginal rate — the bracket your last dollar hits
Understanding your total tax
Income tax, payroll tax, and state tax — plus the rates that actually matter.
Three taxes, one bill
Your total burden combines federal income tax (progressive brackets after the standard deduction), payroll tax for Social Security and Medicare, and any state income tax. Seeing them together is the real picture.
Effective beats marginal for planning
Your top bracket is scary, but you never pay that rate on every dollar. The effective rate — what you actually pay overall — is the number that tells you your true take-home.
US and UK supported
Switch to the UK to model income tax with the tapered personal allowance and employee National Insurance instead of FICA and state tax. Both use the current statutory tables.
How the Tax Calculator Works
Formula
taxableIncome = max(0, gross − standardDeduction)
incomeTax = progressive over the year's brackets
payrollTax = Social Security (6.2% to wage base) + Medicare (1.45% + 0.9% high earners)
stateTax = gross × state rate
totalTax = incomeTax + payrollTax + stateTax
effectiveRate = totalTax ÷ grossChoose your country
US (federal + state) or UK (income tax + National Insurance).
Enter your gross income
Total annual income before tax.
Set filing status
Single or married — selects US brackets and standard deduction.
Pick your state
Applies the state's top marginal income tax rate (US).
Review your tax
See total tax, effective and marginal rates, and what you keep.
Income tax is applied progressively across brackets after the standard deduction (or UK personal allowance), so only the income within each band is taxed at that band's rate. State tax here uses the top marginal rate as a simple estimate; your actual state return may apply its own brackets and deductions.
Figures use the 2026 statutory tax tables — US IRS brackets, standard deduction, and FICA rates, and UK HMRC bands, the tapered personal allowance, and employee National Insurance. They update on the legislative schedule and are estimates for planning, not tax advice.
Frequently Asked Questions
Related Calculators
Go from gross pay to take-home and check your withholding.