Effective Income Tax & Marginal Tax Rate Calculator
It's important to know your effective tax rate as well as your marginal rate.
Your effective tax rate is how much tax you pay divided by your total income. It's affected by your tax rates, your deductions, and your income.
Your marginal rate is how much tax you pay on the next dollar you earn. It can be useful in deciding whether you should take on that side hustle or odd job. It doesn't have to be exact, just knowingly roughly how much can be very useful.
The easiest way is to check your tax return and do the math yourself.
If you don't have it handy and if you know your rough numbers, you can use the calculator below.
NOTE: For your effective rate and total tax, we include federal income tax as well as state income tax, FICA (Social Security & Medicare), and self-employment tax when applicable.
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Wallet Hacks · Tax Tools
Income Tax Calculator
Estimate what you'll owe in federal income tax, state income tax, FICA, and self-employment tax — with a bracket-by-bracket breakdown so you can see exactly how it's calculated.
Your Situation
Income
SE tax and the deductible half are computed automatically.
Deduction
Standard deduction: $16,100
Mortgage interest, SALT (capped at $40,000), charitable gifts, etc.
Your Estimate
Estimated total tax
—
federal + state + FICA + SE tax
Effective Rate
—
total tax ÷ total income
Marginal Rate
—
federal, on last dollar
Breakdown
Wages / Salary$0
Self-Employment Income$0
Other Income$0
Total Income$0
↳ SE tax deduction (½)$0
Adj. Gross Income (AGI)$0
Deduction (standard)$0
Taxable Income$0
Federal Income Tax$0
FICA (SS + Medicare on wages)$0
Self-Employment Tax$0
Additional Medicare Tax (0.9%)$0
State Income Tax$0
Total Tax—
Federal Bracket Breakdown
You don't pay your top rate on all your income — only on the dollars that fall inside each bracket. Here's how your
$0 of taxable income breaks down.
Rate
Bracket
Income Taxed
Tax
State Tax Breakdown
Adjusted Gross Income$0
State standard deduction$0
State Taxable Income$0
Rate
Bracket
Income Taxed
Tax
Estimate only. This calculator does not apply tax credits (Child Tax Credit, EITC, education credits), AMT, NIIT, or preferential rates on qualified dividends and long-term capital gains. State tax uses each state's headline brackets and standard deduction — local taxes (NYC, Yonkers, Philadelphia, etc.) are not included. Federal brackets shown are for 2026; 2026 figures reflect inflation adjustments and the One Big Beautiful Bill Act. This is not tax advice.
