Income Tax Calculator

Use this income tax calculator to isolate federal and state income tax from payroll taxes. It is useful when you want to review taxable income, marginal rates, and after-income-tax income.

Income Tax Inputs

Income Tax Estimate

Federal Income Tax

$9,870

State Income Tax

$4,027

Total Income Tax

$13,897

Net After Income Tax

$71,103

Federal Taxable Income

$68,900

State Taxable Income

$79,294

Effective Income Tax Rate

16.3%

Marginal Federal Rate

22.0%

Marginal State Rate

9.3%

Tax data and review status

These tax calculator estimates use 2026 federal income-tax brackets, 2026 FICA values, and state income-tax data that is versioned separately. They were reviewed on June 2, 2026. Treat results as planning estimates, not tax, payroll, legal, or financial advice.

How the Income Tax Calculator Works

Core formula

Federal income tax + state income tax = estimated income tax before payroll taxes

Best use case

Use this estimate when you want to isolate income taxes from Social Security and Medicare withholding.

Important limits

This calculator excludes Social Security and Medicare on purpose.
Federal taxable income is reduced by the standard deduction, while states follow their own rules.
It is useful for relocation planning and comparing state tax drag on the same salary.

Data Sources and Review Process

Tax rates are stored in versioned JSON files and should be checked against official federal, FICA, and state sources during each annual update. Federal and FICA values are current for 2026; state data is versioned separately.

Income Tax Calculator FAQ

What is the difference between a tax calculator and an income tax calculator?

This income tax calculator isolates federal and state income tax only. It does not add Social Security or Medicare, so it is useful when you want to focus on income tax instead of total payroll tax.

Does this include Social Security and Medicare?

No. This page intentionally excludes payroll taxes so you can compare income-tax-only outcomes across states and filing statuses.

Why do marginal and effective income tax rates differ?

Marginal rate applies to the next dollar of taxable income, while effective rate is your total modeled income tax divided by gross income. Progressive tax systems usually make the effective rate lower than the top marginal rate.