See the real percentage of your income that goes to taxes — and how it compares to your marginal 2026 tax bracket.
Marginal federal rate
22%
The rate on your nextdollar of income — your top federal bracket. It's higher than your effective rate because only the income in that band is taxed at it.
Your effective tax rate
17.9%of gross income
$13,408 total tax on $75,000 · $61,593 take-home
Effective rate = total tax ÷ gross income, using 2026 federal, state, and FICA taxes for a single income with no pre-tax deductions. Your marginal federal rate (left) is your top bracket only.
People mix up two very different numbers. Your marginal tax rate is the bracket your nextdollar lands in — the “I'm in the 22% bracket” number. Your effective tax rate is what you actuallypay on average across all your income, and it's always lower because the U.S. taxes income in progressive bands. This calculator shows both at once for 2026, including federal income tax, Social Security, Medicare, and state tax. To see the full paycheck picture with deductions, use the paycheck calculator.
Your effective tax rate is the total tax you pay divided by your gross income — the real average percentage that leaves your paycheck. It's always lower than your top (marginal) bracket because the tax system is progressive: only the income inside each bracket is taxed at that bracket's rate.
Your marginal rate is the rate on your next dollar of income — your highest bracket. Your effective rate is the average across all your income. For example, a single filer earning $75,000 might be in the 22% marginal bracket but have an effective income-tax rate closer to 11%.
Divide your total tax by your gross income. This calculator does it for you including federal income tax, Social Security, Medicare, and state tax — enter your income, state, and filing status.
This calculator shows both: an income-tax-only view and an all-in effective rate that includes Social Security and Medicare (FICA) plus state tax, since those all reduce your take-home pay.
Because the U.S. uses progressive brackets. Moving into the 22% bracket doesn't tax all your income at 22% — only the portion above that bracket's threshold. The rest is taxed at the lower 10% and 12% rates, pulling your average (effective) rate down.
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