United States Tax Calculator (2026)
Income tax rates and take-home pay for United States
Using California for state/regional taxes. Region selection coming soon.
United States Income Tax Brackets (2025)
| Bracket | Income Range | Rate |
|---|---|---|
| 10% Bracket | $0 - $11,925 | 10.0% |
| 12% Bracket | $11,925 - $48,475 | 12.0% |
| 22% Bracket | $48,475 - $103,350 | 22.0% |
| 24% Bracket | $103,350 - $197,300 | 24.0% |
| 32% Bracket | $197,300 - $250,525 | 32.0% |
| 35% Bracket | $250,525 - $626,350 | 35.0% |
| 37% Bracket | $626,350+ | 37.0% |
Personal allowance: $15,750
California State Income Tax
| Bracket | Income Range | Rate |
|---|---|---|
| 1% Bracket | $0 - $10,412 | 1.0% |
| 2% Bracket | $10,412 - $24,684 | 2.0% |
| 4% Bracket | $24,684 - $38,959 | 4.0% |
| 6% Bracket | $38,959 - $54,081 | 6.0% |
| 8% Bracket | $54,081 - $68,350 | 8.0% |
| 9.3% Bracket | $68,350 - $349,137 | 9.3% |
| 10.3% Bracket | $349,137 - $418,961 | 10.3% |
| 11.3% Bracket | $418,961 - $698,271 | 11.3% |
| 12.3% Bracket | $698,271 - $1,000,000 | 12.3% |
| 13.3% Bracket (incl. Mental Health Surcharge) | $1,000,000+ | 13.3% |
State allowance: $5,363
Social Security (OASDI)
| Bracket | Income Range | Rate |
|---|---|---|
| Standard Rate | $0 - $176,100 | 6.2% |
| Above Wage Base | $176,100+ | 0.0% |
Capped at $10,918 per year
Medicare
| Bracket | Income Range | Rate |
|---|---|---|
| Standard Rate | $0+ | 1.5% |
Additional Medicare Tax
| Bracket | Income Range | Rate |
|---|---|---|
| Under Threshold | $0 - $200,000 | 0.0% |
| Additional Rate | $200,000+ | 0.9% |
California State Disability Insurance (SDI)
| Bracket | Income Range | Rate |
|---|---|---|
| Standard Rate | $0+ | 1.1% |
Key Facts
Tax Year
2025
Currency
USD
Top Rate
37.0%
Brackets
7 brackets
Allowance
$15,750
Social Contributions
4 items
Assumptions
- · Federal rates and brackets based on OBBBA 2025 updates for Single filers.
- · California (CA) used as the representative subnational region.
- · California state tax brackets and standard deduction are based on 2024/2025 inflation-adjusted estimates.
- · Social Security (OASDI) wage base for 2025 is $176,100.
- · California State Disability Insurance (SDI) 2025 rate of 1.1% included (contribution cap removed since 2024).
- · Additional Medicare Tax (0.9%) is applied to wages exceeding $200,000 for single filers.
- · Standard Deduction used for both Federal and State; itemized deductions (SALT, mortgage interest) excluded per worker profile.
Frequently asked questions
How much federal income tax will I pay in the United States?
The US uses a progressive tax system with 7 federal income tax brackets ranging from 10% to 37%, depending on your income level. For example, single filers pay 10% on income up to $11,925, then 12% on income between $11,925 and $48,475, with rates increasing as you earn more. You also get a standard deduction of $15,750 that reduces your taxable income before these brackets apply.
Do I have to pay state income tax if I work in California?
Yes, California has its own state income tax system with 10 brackets ranging from 1% to 13.3%, which applies on top of federal taxes. California's standard deduction is $5,363, and high earners pay a 13.3% rate that includes a Mental Health Surcharge. State tax rates vary significantly by state, so your total tax burden depends on which state you live and work in.
What are Social Security and Medicare taxes, and how much do I pay?
Social Security (OASDI) and Medicare are payroll taxes deducted from your wages. You pay 6.2% for Social Security on earnings up to $176,100 per year, plus 1.45% for Medicare on all wages with no cap. If you earn over $200,000 as a single filer, you also pay an additional 0.9% Medicare tax on the excess income.
What is California State Disability Insurance (SDI) and do I have to pay it?
California SDI is a mandatory employee contribution of 1.1% on your gross wages with no contribution cap, providing short-term disability benefits if you become unable to work. This is a separate payroll deduction from federal Social Security and Medicare taxes. SDI rates and rules vary by state, so this applies specifically if you work in California.
What's my total tax burden if I earn $75,000 in California?
At $75,000 in California, you would pay federal income tax (approximately 12-22% effective rate after the standard deduction), California state income tax (approximately 4-8.3% effective rate after the state deduction), plus 7.65% for Social Security and Medicare, and 1.1% for SDI. Your total effective tax rate would be roughly 25-30% depending on deductions and exact income distribution across the brackets.
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