Income Tax Calculator

Estimate taxable income, federal tax, state tax, local tax, total tax, effective tax rate, marginal tax rate, and take-home income using customizable income and tax inputs.

Calculate Income Tax

Taxable income = gross income − pre-tax deductions − other deductions. Estimated total tax = taxable income × combined estimated tax rates. Take-home income = gross income − total estimated tax − pre-tax deductions.
Your result will appear here.

How the income tax calculator works

Taxable income:
The calculator subtracts pre-tax deductions and other deductions from gross income.

Estimated tax:
Federal, state, and local tax rates are applied to taxable income for a simplified estimate.

Effective tax rate:
The calculator compares total estimated tax against gross income to estimate your overall tax burden.

Take-home income:
Estimated take-home income is calculated after taxes and pre-tax deductions.

Why income tax estimates matter

Income tax estimates can help with budgeting, paycheck planning, side-income planning, and understanding how deductions may affect take-home pay.

This tool is most useful for rough financial planning rather than official filing.

What your result means

Your result shows taxable income, federal tax, state tax, local tax, total tax, effective tax rate, marginal tax rate, and estimated take-home income based on the values entered.

Income tax calculator tips

Frequently asked questions

What is taxable income?

Taxable income is the portion of your income that remains after subtracting deductions, exemptions, and certain pre-tax items.

What is the difference between marginal and effective tax rate?

Marginal tax rate is the rate applied to your next dollar of taxable income, while effective tax rate is your total tax divided by total income.

Does this calculator use official tax brackets?

No. This version uses customizable estimated rates so it remains flexible and useful across different situations and tax years.

Is this safe to use for filing taxes?

No. This is a planning estimate only and should not replace official tax preparation or tax advice.