United States Income Tax Calculator 2026
Calculate your exact net salary in United States after Federal Income Tax (Form 1040) and social security. All 7 tax brackets. Updated Q1 2026.
Your employer pays an additional $3,825 (7.6% of gross). Total employment cost = $53,825.
How income tax works in United States
Income tax in United States is administered by the Internal Revenue Service (IRS) under Federal Income Tax (Form 1040). Federal only. Add state income tax: 0% (TX, FL, WA, NV, TN, SD, WY, AK, NH) to 13.3% (CA). FICA 7.65% (Social Security 6.2% + Medicare 1.45%) on top.
United States uses a progressive schedule of 7 brackets: each slice of income is taxed at the rate of the band it falls in — not your highest rate applied to the whole salary. Social security (6.2% of gross) is deducted first; income tax is then applied to the remainder band-by-band.
United States pays salaries across 12 monthly instalments.
Key tax dates in United States
| Event | Date / Note |
|---|---|
| Tax year start | 1 January |
| Tax year end | 31 December |
| Filing deadline | 15 April |
| Withholding regime | Federal Income Tax (Form 1040) |
Deductions and allowances
- ·Standard deduction $15,000
- ·401(k) contributions ($23,500)
- ·HSA contributions ($4,300)
- ·Mortgage interest, state/local tax (SALT cap $10k)
Federal only. Add state income tax: 0% (TX, FL, WA, NV, TN, SD, WY, AK, NH) to 13.3% (CA). FICA 7.65% (Social Security 6.2% + Medicare 1.45%) on top.
Special tax regimes
Foreign Earned Income Exclusion (FEIE): up to $130,000 of foreign earnings excluded for qualifying expats abroad.
Read full guide →All 7 brackets for 2026
| # | Income Range ($) | Marginal | Effective at Top |
|---|---|---|---|
| 01 | $0 — $11,925 | 10% | 15.6% |
| 02 | $11,925 — $48,475 | 12% | 17.0% |
| 03 | $48,475 — $103,350 | 22% | 21.9% |
| 04 | $103,350 — $197,300 | 24% | 25.1% |
| 05 | $197,300 — $250,525 | 32% | 27.1% |
| 06 | $250,525 — $626,350 | 35% | 34.2% |
| 07 | $626,350 — ∞ | 37% | — |
Source · Internal Revenue Service (IRS) · Data updated Q1 2026
Frequently asked
What is the income tax rate in United States?+
United States applies progressive Federal Income Tax (Form 1040) rates from 10.0% on the lowest band up to 37.0% on the highest, across 7 brackets in 2026.
How much social security do you pay in United States?+
Employees pay 6.2% of gross salary as social security. Federal only. Add state income tax: 0% (TX, FL, WA, NV, TN, SD, WY, AK, NH) to 13.3% (CA). FICA 7.65% (Social Security 6.2% + Medicare 1.45%) on top.
What is the Federal Income Tax (Form 1040) personal allowance in United States?+
The main allowances are: Standard deduction $15,000; 401(k) contributions ($23,500). See §03 for the full list.
When do you file taxes in United States?+
The filing deadline in United States is 15 April. Tax year runs 1 January to 31 December.
How much take-home pay on $60,000 gross in United States?+
On a $60,000 gross salary the effective rate is 18.4%, leaving approximately $48,984 net per year — about $4,082 per month across 12 payments. (For reference: $50,000 gross nets $41,511.)
Does United States have any special tax regimes for expats?+
Foreign Earned Income Exclusion (FEIE): up to $130,000 of foreign earnings excluded for qualifying expats abroad.
Affiliate disclosure
Some links on this page are affiliate links. WorthOf may earn a commission if you sign up. This does not affect our data, our methodology, or our editorial independence.