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 - $11,079 | 1.0% |
| 2% Bracket | $11,079 - $26,264 | 2.0% |
| 4% Bracket | $26,264 - $41,452 | 4.0% |
| 6% Bracket | $41,452 - $57,542 | 6.0% |
| 8% Bracket | $57,542 - $72,724 | 8.0% |
| 9.3% Bracket | $72,724 - $371,479 | 9.3% |
| 10.3% Bracket | $371,479 - $445,771 | 10.3% |
| 11.3% Bracket | $445,771 - $742,953 | 11.3% |
| 12.3% Bracket | $742,953 - $1,000,000 | 12.3% |
| 13.3% Bracket (incl. Mental Health Surcharge) | $1,000,000+ | 13.3% |
State allowance: $5,706
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 use the 2025 Franchise Tax Board Form 540 booklet for single filers.
- · 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 many federal income tax brackets does the United States have?
The United States has 7 federal income tax brackets for single filers, ranging from 10% on the lowest income to 37% on income exceeding $626,350. The brackets are progressive, meaning different portions of your income are taxed at different rates as you earn more.
What is the standard deduction for federal taxes in the US?
The federal standard deduction for single filers is $15,750, which reduces your taxable income before the tax brackets are applied. This means you only pay federal income tax on earnings above this threshold.
Does California have state income tax, and how high can it go?
Yes, California has state income tax with 10 brackets ranging from 1% to 13.3% (which includes a Mental Health Surcharge on the highest earners). California's state tax is in addition to federal taxes, so residents face a combined federal and state tax burden.
What payroll taxes do US employees pay beyond income tax?
US employees pay Social Security (6.2% up to a $176,100 wage base), Medicare (1.45% on all wages), and an additional 0.9% Medicare Tax on earnings over $200,000. In California, employees also pay State Disability Insurance (SDI) at 1.1% with no contribution cap.
How much can I earn before paying the highest federal tax rate?
The highest federal tax rate of 37% only applies to income above $626,350 for single filers. Most workers will pay effective tax rates well below the top marginal rate due to the progressive bracket system.
Is the calculator data specific to California, or does it apply to all US states?
The calculator uses California as the representative state for subnational taxes, but state income tax rates and brackets vary significantly across the US. Some states have no income tax at all, while others have different bracket structures and rates than California, so your actual tax liability may differ if you live or work in another state.
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