United States Tax Calculator (2026)
Income tax rates and take-home pay for United States
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
How many tax brackets does the United States have?
The United States has 7 federal income tax brackets ranging from 10% to 37%, with rates increasing as your income rises. The lowest bracket starts at 10% for income up to $11,925, and the highest bracket applies to income over $626,350 at a 37% rate. However, note that this calculator shows federal tax only; state and local income taxes vary by jurisdiction and are not included.
What is the standard deduction and how does it affect my taxes?
The standard deduction for single filers is $15,750, which reduces your taxable income before tax brackets are applied. This means you only pay federal income tax on income above this amount, so if you earn less than $15,750, you typically owe no federal income tax. The standard deduction is the most common way Americans reduce their taxable income.
What are Social Security and Medicare taxes, and how much do I pay?
As an employee, you pay Social Security tax at 6.2% on wages up to $176,100 per year, with a maximum contribution of $10,918.20. You also pay Medicare tax at 1.45% on all wages, plus an additional 0.9% Medicare tax on wages exceeding $200,000. These are separate from federal income tax and are taken directly from your paycheck.
Do I pay the same tax rate on all my income?
No, the United States uses a progressive tax system where different portions of your income are taxed at different rates based on tax brackets. For example, if you earn $60,000, your first $11,925 is taxed at 10%, the next portion up to $48,475 is taxed at 12%, and the remaining income is taxed at 22%. You only pay the higher rate on the income that falls into that bracket, not on your entire income.
Are state income taxes included in this calculator?
No, this calculator shows federal income tax only, as state and local income tax rates vary significantly by location. Some states like Florida and Texas have no state income tax, while others like California and New York have rates up to 13% or higher. You should research the specific state or territory where you plan to work to understand your total tax liability.
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