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 U.S. 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, while the highest bracket of 37% applies to income over $626,350. 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 reduce my taxable income?
The standard deduction for a single filer is $15,750, which reduces your taxable income dollar-for-dollar before tax brackets are applied. This means if you earn $50,000, only $34,250 is subject to federal income tax. Most people benefit from taking the standard deduction rather than itemizing deductions.
How much Social Security and Medicare tax will I pay on my wages?
You'll pay 6.2% Social Security tax on wages up to $176,100 per year, plus 1.45% Medicare tax on all wages with no cap. If you earn over $200,000, you'll also pay an additional 0.9% Medicare surcharge on the excess amount. Together, these payroll taxes are withheld from your paycheck and are not deductible from your federal income tax.
Does the United States have state income tax, and is it included in your calculator?
Yes, most U.S. states have their own income taxes, but this calculator shows federal tax only since state and local rates vary significantly by jurisdiction. You'll need to check your specific state's tax rates, as some states like Florida and Texas have no income tax, while others can exceed 10%. Your total tax burden depends on which state you work or live in.
What's the difference between my gross salary and take-home pay?
Your take-home pay is your gross salary minus federal income tax, Social Security tax (6.2% up to $176,100), and Medicare tax (1.45% on all wages). For example, at a $60,000 salary, you'd owe roughly $5,700 in federal income tax plus $4,590 in payroll taxes, leaving approximately $49,710 in take-home pay before any state taxes or other deductions. The exact amount depends on your specific income level and applicable tax brackets.
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