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. The page copy and assumptions were reviewed on June 2, 2026. Use the result for planning and comparison, then confirm important decisions with official payroll or tax guidance.

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.

Why an income tax calculator is narrower than a paycheck tool

An income tax calculator is useful when the user specifically wants federal and state income tax without payroll taxes. That narrower scope is valuable because many people use the phrase income tax when they actually mean every deduction on a paycheck, even though Social Security and Medicare are separate systems.

This page works best when it helps users isolate taxable-income questions, compare jurisdictions, and understand what happens before payroll taxes are layered back in elsewhere.

Income tax is not the full paycheck story

Federal and state income tax can be analyzed without Social Security and Medicare when the goal is relocation planning or bracket review.

Marginal and effective rates answer different questions

A strong estimate helps users see both the tax on the next dollar earned and the average burden across total income.

States change the result fast

The same gross income can lead to very different after-income-tax outcomes depending on state rules, deductions, and bracket structure.

When this page is the better tool

Use an income tax calculator when you want to isolate bracket behavior, compare state tax drag, or study taxable income after deductions without mixing in payroll taxes. That makes it a cleaner tool for many search intents than a full paycheck calculator.

It is especially helpful when users are comparing job locations, modeling freelance income before payroll treatment, or trying to separate income-tax effects from FICA effects.

Important income-tax-calculator limits

Excludes Social Security and Medicare by design
Not a substitute for a return-level analysis with credits and itemized deductions
Best used when the question is specifically about income tax rather than total take-home pay

Data sources and editorial checks

Tax rates are stored in versioned JSON files and checked against primary federal, FICA, and state sources during updates. Federal and FICA values are current for 2026; state data is versioned separately when state rules change on a different schedule.

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.

Related Tax Calculators

Move to a narrower tax calculator when you need to separate payroll taxes from income taxes or isolate a specific rule such as the Social Security wage base.