Income Tax Calculator
"How much will I actually owe?" is a different question from "what's my tax bracket?" — one bundles federal and state tax into a single total, the other looks at rates alone. This calculator answers the first one directly, giving you a real number to budget against.
Enter your income to see your tax breakdown.
How to use this calculator
- Enter your total annual income and filing status.
- Enter your estimated state tax rate.
- Click "Calculate my income tax" to see your total federal and state tax.
How the calculation works
Federal tax is calculated by applying the 2026 progressive brackets to your income after subtracting the standard deduction — the same bracket math used across every income-based calculator on this site. State tax is applied as a flat percentage of your gross income, since state tax rules vary too widely by state to model precisely in one general-purpose tool. The two are added together for your total estimated tax bill.
A worked example
Say you're single, earning $85,000, in a state with an estimated 5% flat tax rate. After the standard deduction, federal tax comes to roughly $9,870. State tax on the full $85,000 adds another $4,250. Combined, that's about $14,120 in total tax — leaving an estimated after-tax income of roughly $70,880, or about 16.6% of gross income going to combined federal and state tax.
Frequently asked questions
Does this include FICA (Social Security/Medicare)?
No — this covers federal and state income tax only. Use the Paycheck Calculator for a full breakdown including FICA.
What if my state has no income tax?
Enter 0 for your state tax rate — nine states currently have no state income tax.
Is this the same as my tax bracket?
Related but different — this shows your total tax bill, while the Tax Bracket Calculator shows your marginal and effective rates.
Why is state tax a flat rate here instead of brackets?
State income tax structures vary enormously — some are flat, some progressive, some have local add-ons. A single flat-rate estimate keeps the tool usable across all 50 states; check your state's actual tables for precision.
Does this account for tax credits?
No — this estimates tax before credits like the Child Tax Credit or Earned Income Tax Credit, which can meaningfully lower your final bill if you qualify.
Income Tax by Income Level (2026, Single Filer, 5% State Tax)
This chart uses the same method as the calculator: federal tax on income after the $16,100 standard deduction, plus a flat 5% state tax on gross income. It excludes FICA, credits and itemized deductions. Change the state rate to match your state: each 1% of state tax on a $100,000 income adds $1,000.
| Gross income | Federal tax | State tax (5%) | Total income tax | After-tax income | Share of income |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $2,000 | $4,620 | $35,380 | 11.6% |
| $60,000 | $5,020 | $3,000 | $8,020 | $51,980 | 13.4% |
| $80,000 | $8,770 | $4,000 | $12,770 | $67,230 | 16.0% |
| $100,000 | $13,170 | $5,000 | $18,170 | $81,830 | 18.2% |
| $150,000 | $24,734 | $7,500 | $32,234 | $117,766 | 21.5% |
| $200,000 | $36,734 | $10,000 | $46,734 | $153,266 | 23.4% |
States With No Income Tax on Wages
Nine states do not tax wage income: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. Enter 0 for the state rate if you live in one of them. Local taxes may still apply elsewhere.
Related Calculators and Guides
Add payroll taxes with the paycheck calculator. See your marginal and effective rate with the tax bracket calculator, or read how the calculation works in How Federal Income Tax Is Calculated in 2026. Check whether your withholding is on track with the tax refund calculator.
Last reviewed: October 9, 2026. Source: IRS federal income tax rates and brackets.
Learn more
Want the full walkthrough behind this calculator? These guides explain the rules and show worked examples: