United States Tax Calculator (2026)
Income tax rates and take-home pay for United States
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United States Income Tax Brackets (2025)
| Bracket | Income Range | Rate |
|---|---|---|
| 10% bracket | $0 - $11,925 | 10.0% |
| 12% bracket | $11,926 - $48,475 | 12.0% |
| 22% bracket | $48,476 - $103,350 | 22.0% |
| 24% bracket | $103,351 - $197,300 | 24.0% |
| 32% bracket | $197,301 - $250,525 | 32.0% |
| 35% bracket | $250,526 - $626,350 | 35.0% |
| 37% bracket | $626,351+ | 37.0% |
Personal allowance: $15,750
Social Security tax
| Bracket | Income Range | Rate |
|---|---|---|
| Social Security employee rate | $0 - $176,100 | 6.2% |
| No tax above wage base | $176,101+ | 0.0% |
Capped at $10,918 per year
Medicare hospital insurance tax
| Bracket | Income Range | Rate |
|---|---|---|
| Medicare employee rate | $0+ | 1.5% |
Additional Medicare tax
| Bracket | Income Range | Rate |
|---|---|---|
| Additional Medicare tax on wages over threshold | $0+ | 0.9% |
Applies when income exceeds $200,000
Key Facts
Tax Year
2025
Currency
USD
Top Rate
37.0%
Brackets
7 brackets
Allowance
$15,750
Social Contributions
2 items
Assumptions
- · Model assumes single filer with standard deduction; no state/local income tax included as it varies by jurisdiction.
- · Standard deduction of USD 15,750 applied for single filers in 2025.
- · Social Security tax capped at USD 176,100 of wages; Medicare tax applies to all wages with 0.9% additional Medicare tax on wages over USD 200,000.
- · Alternative Minimum Tax (AMT) excluded as it applies to high-income taxpayers with specific preference items.
- · Long-term capital gains rates and estate/gift taxes excluded as they apply to investment income, not employment income.
- · Additional Medicare tax of 0.9% modeled as a surcharge on wages exceeding USD 200,000.
- · Child tax credits and other refundable credits excluded as model represents a single person with no dependents.
- · State and local income taxes excluded; federal tax only.
- · Model excludes employer-only Social Security and Medicare contributions.
Frequently asked questions
What is the top income tax rate in United States?
The highest marginal income tax rate in United States is 0.4%. Your effective tax rate will be lower depending on your income level.
How many tax brackets does United States have?
United States has 7 income tax brackets. Income is taxed in brackets - you only pay the higher rate on income above each threshold, not on your entire income.
How is take-home pay calculated in United States?
Take-home pay in United States is your gross salary minus income tax, social contributions, and any applicable surcharges. Use the calculator above to see an exact breakdown for your salary.
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