
Income Tax Simulator | Calculate Federal Tax, State Tax & Take-Home Pay Free
This article contains affiliate links. Income Tax Simulator Enter your income to instantly calculate your federal income tax, state tax, social insurance, and take-home pay all at once. The progressive tax bracket breakdown is shown clearly so you can understand exactly where your money goes. Gross Annual Income ($) Employment Type W-2 Employee Freelance / Self-Employed Business Expense Rate (%) 0%30%80% Home Office / QBI Deduction (~$6,500 equivalent) Filing Status / Dependents Single, no dependents Married filing jointly (no children) Married + 1 child Married + 2 children Marginal Tax Rate 22% Effective Tax Rate (All Taxes / Income) —% Federal Tax — State Tax — FICA / Social Ins. — Take-Home — Monthly Take-Home: — Income Breakdown Take-Home Federal Tax State Tax FICA / Social Insurance Show Federal Income Tax Brackets Rate Taxable Income Range Deduction Offset Tax in This Bracket Take-Home Pay at Different Income Levels How to Use This Tool Enter your gross income — Use your total annual compensation before any deductions Select employment type — W-2 employees get the standard deduction automatically; freelancers can enter business expense rates Select filing status — Married filing jointly and dependents increase your deductions and reduce taxable income US Federal Income Tax Brackets (2026) Taxable Income Rate Notes $0 – $11,600 10% Lowest bracket $11,600 – $47,150 12% $47,150 – $100,525 22% Most middle-class filers $100,525 – $191,950 24% $191,950 – $243,725 32% $243,725 – $609,350 35% $609,350+ 37% Top bracket State income taxes vary. An average of ~5% is used in this simulator. FICA = 6.2% Social Security + 1.45% Medicare for employees. ...

