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 income tax brackets does the United States have?
The United States has 7 federal income tax brackets ranging from 10% to 37%, which apply progressively to your income. For example, a single filer earning $60,000 would pay 10% on the first $11,925, 12% on income from $11,926 to $48,475, and 22% on the remaining amount. This progressive system means you don't pay the top rate on all your income, only on the portion that falls within each bracket.
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 calculating federal income tax. This means if you earn $50,000, only $34,250 is subject to income tax calculations. The standard deduction is one of the largest tax breaks available to individual workers.
What Social Security and Medicare taxes will I pay as an employee?
As an employee, you pay 6.2% Social Security tax on wages up to $176,100 per year, plus 1.45% Medicare hospital insurance tax on all wages. If you earn over $200,000, an additional 0.9% Medicare tax applies to income above that threshold. These contributions are not deductible from your federal income tax but are required payroll deductions.
Does the United States have state income taxes?
Yes, most U.S. states have their own income taxes, but this calculator shows federal tax only because state rates vary significantly by location. Your total tax burden depends on which state you work or live in, with some states having no income tax and others having rates up to 13% or higher. You should research the specific state tax rules for your location to get a complete picture of your tax liability.
How much will I take home after taxes on a typical salary?
Your take-home pay depends on your gross income and which tax brackets you fall into, plus Social Security and Medicare contributions. For example, a single filer earning $60,000 would have federal income tax, Social Security tax (6.2% up to the wage base), and Medicare tax (1.45%) deducted from their paycheck. Use the calculator above to enter your specific income and see your estimated take-home pay.
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