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
How many federal income tax brackets does the United States have?
The United States has 7 federal income tax brackets, ranging from 10% on the lowest income to 37% on the highest. Your income is taxed progressively, meaning different portions of your income are taxed at different rates as you move up through the brackets.
What is the standard deduction and how does it affect my taxes?
The standard deduction for single filers is USD 15,750, which reduces your taxable income before federal tax is calculated. This means you only pay federal income tax on income above this amount, effectively lowering your overall tax bill.
Do I need to pay Social Security and Medicare taxes as an employee?
Yes, as an employee you pay 6.2% Social Security tax (capped at USD 176,100 of wages) and 1.45% Medicare tax on all wages. If you earn over USD 200,000, you'll also pay an additional 0.9% Medicare tax on the amount above that threshold.
Does this calculator include state income taxes?
No, this calculator shows federal income tax only. State and local income taxes vary significantly by jurisdiction and are not included, so you should check your specific state's tax rates when calculating your total take-home pay.
How much will I pay in total taxes if I earn USD 75,000?
Your federal income tax would be calculated on USD 59,250 (after the USD 15,750 standard deduction) using the progressive bracket system, plus you would pay 6.2% Social Security tax and 1.45% Medicare tax on your full USD 75,000 salary. The exact amount depends on your filing status and whether you qualify for any credits or deductions.
What happens to my Social Security tax if I earn over USD 176,100?
Once your wages exceed USD 176,100, you stop paying the 6.2% Social Security tax on additional income above that amount. However, Medicare tax continues on all wages, and high earners over USD 200,000 pay the additional 0.9% Medicare surcharge on amounts above that threshold.
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