US Income Tax Calculator
See your federal take-home pay in seconds — Fin works out your federal income tax, Social Security and Medicare. State tax varies, so it’s shown separately below.
Take-home pay (a year)
$79,180
$6,598 a month
- Income tax
- $13,170
- Social Security (6.2%)
- $6,200
- Medicare (1.45%)
- $1,450
- Total tax
- $20,820
FEDERAL income tax + FICA (Social Security & Medicare), single filer, 2026, taking the standard deduction. EXCLUDES state and local income tax — nil in Texas, Florida, Washington and others, up to ~13% in California — and assumes no other deductions or credits. Married-filing-jointly brackets and deduction differ. Indicative only — general information, not tax advice.
Federal income tax + FICA, single filer. State income tax is not included (0% in TX/FL/WA, up to ~13% in CA).
US federal tax brackets (2026, single)
The US has seven federal brackets from 10% to 37%, applied to your income after the $16,100 standard deduction. On top sits FICA — Social Security at 6.2% (up to the $184,500 wage base) and Medicare at 1.45% (plus 0.9% over $200,000). State income tax is separate and ranges from nothing to about 13%.
| Taxable income (after deduction) | Federal rate |
|---|---|
| $0 – $12,400 | 10% |
| $12,401 – $50,400 | 12% |
| $50,401 – $105,700 | 22% |
| $105,701 – $201,775 | 24% |
| $201,776 – $256,225 | 32% |
| $256,226 – $640,600 | 35% |
| $640,601+ | 37% |
Federal single-filer rates, 2026 (IRS). Bands are shown on taxable income (after the $16,100 standard deduction). Excludes state/local income tax and other deductions or credits. General information, not tax advice.
US income tax — common questions
Does this include state income tax?
No — this is federal income tax plus FICA (Social Security and Medicare) only. State income tax ranges from 0% (Texas, Florida, Washington and others) to roughly 13% (California), so your actual take-home depends on your state.
How much federal tax do I pay on $100,000 in the US?
On a $100,000 salary in 2026 as a single filer you would pay about $13,170 in federal income tax plus $7,650 in FICA (Social Security + Medicare) — roughly $20,820 in total, leaving about $79,180 federal take-home (before any state tax).
What is FICA?
FICA is the payroll tax for Social Security (6.2% up to the $184,500 wage base) and Medicare (1.45% on all wages, plus an extra 0.9% on wages over $200,000). This calculator includes the employee share.
Which filing status does this use?
Single. Married-filing-jointly has wider brackets and a larger standard deduction ($32,200 vs $16,100), so a couple filing jointly pays less than two singles on the same combined income.
Is this US take-home calculator free?
Yes — completely free, no sign-up. Fin works out your federal income tax, FICA and take-home pay instantly.
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