Free US Federal Income Tax Calculator

Enter a valid income
Enter deduction
Enter pre-tax amount
Enter tax credits
Taxable Income
Federal Income Tax
FICA (SS + Medicare)
Effective Tax Rate
Monthly Take-Home
Annual Take-Home Pay

How US Federal Tax Works

The United States uses a progressive tax system. This means that different portions of your income are taxed at increasingly higher rates as you earn more.

Marginal vs. Effective Rate

Your marginal rate is the tax on your last dollar earned. Your effective rate is the actual percentage of your total income that goes to the IRS after all deductions.

Deductions vs. Credits

Deductions (like the Standard Deduction) reduce the income you're taxed on. Credits (like Child Tax Credit) reduce your actual tax bill dollar-for-dollar.

Terms of Service

The numly2.com Income Tax Calculator provides estimates based on 2024-2026 federal brackets. It now includes FICA estimates (Social Security and Medicare). It does not include state or local taxes or specific legal tax advice.

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We respect your privacy. Data entered into this calculator is processed locally in your browser and is never stored on our servers.

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