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%, with rates increasing as your income rises. The highest earners pay 37% on income above $626,350, while the lowest bracket is 10% on income up to $11,925. 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 taxes?
The standard deduction for single filers is $15,750, which you can subtract from your gross income before calculating federal income tax. This means if you earn $40,000 annually, you only pay federal income tax on $24,250 of that income. The standard deduction effectively ensures lower-income earners pay little to no federal income tax.
How much will Social Security and Medicare taxes take from my paycheck?
As an employee, you pay 6.2% in Social Security tax on wages up to $176,100 and 1.45% in Medicare tax on all wages. If you earn over $200,000, you'll also pay an additional 0.9% Medicare surcharge on the excess income. Combined, these payroll taxes typically total around 7.65% of your gross income, though the Social Security portion caps at $10,918.20 annually.
Do I need to account for state income taxes in my US tax calculation?
This calculator shows federal income tax only; state and local income taxes are not included because they vary significantly by jurisdiction. Some states like Florida and Texas have no state income tax, while others like California and New York have rates up to 13%. You'll need to research your specific state's tax laws, as your total tax burden can vary dramatically depending on where you live or work.
What happens if I earn over $200,000 as a remote worker in the US?
Once your income exceeds $200,000, you become subject to an additional 0.9% Medicare surcharge on the excess amount, on top of the standard 1.45% Medicare tax. You'll also move into higher federal income tax brackets, with rates jumping to 32%, 35%, or even 37% depending on your exact income level. Additionally, your Social Security tax stops at $176,100 of wages, so higher earners pay proportionally less in Social Security contributions.
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