Finance

US Federal + State Tax Calculator (2024-2026)

Federal brackets for 2024, 2025, and projected 2026. State layer (CA, NY, TX, FL, IL, PA, CO). FICA optional. Marginal vs effective, full breakdown.

Finance · Tax planning

Progressive Tax Bracket Visualizer

Income laid across the federal ladder. State and FICA stacked on top. Marginal versus effective at a glance.

TY 2025 · May 13, 2026
Total tax dueSingle
$30,82725.69% eff.

Federal $21,647 + state $0 + FICA $9,180. After-tax take-home $89,173.

Marginal rate
24%
Next $1 taxed at
Effective rate
25.69%
Total tax / income
Federal
$21,647
State + FICA
$9,180
$0Your income · $120,000
10%
12%
22%
24%
10% · $11,92512% · $36,55022% · $54,87524% · $16,650
Tax year
IRS Rev. Proc. 2024-40
Filing status
Single

Your return

Inputs · USD
Federal (2025)$21,647
State$0
FICA (SS + Medicare)$9,180
Total tax$30,827
After-tax income$89,173

Bracket breakdown

Federal 2025 · Single

Progressive
RateRangeIn bracketTax
10%$0 – $11,925$11,925$1,193
12%$11,925 – $48,475$36,550$4,386
22%$48,475 – $103,350$54,875$12,073
24%$103,350 – $197,300$16,650$3,996
Total federal tax$21,647

2024 = IRS Rev. Proc. 2023-34. 2025 = IRS Rev. Proc. 2024-40. 2026 projection (not yet published) = 2025 scaled ~2.5% for inflation. Simplified: excludes AMT, credits (child, EITC, premium), QBI, capital-gains rates, city/local tax, itemized vs standard tradeoff. Use for planning, not filing.

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