Tax Calculator · federal + state · 2025–2026
How much tax will you pay
Pick a situation or enter your numbers: see your federal tax, state tax (CA, NY and NYC, NJ, IL, PA, MA), self-employment tax and which bracket you're in.
Total tax for the year
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Simplified: standard deduction; no EITC, AMT, 3.8% net investment income tax, or deductions such as self-employed health insurance. The QBI deduction assumes a business without employees. State taxes use 2025 rates (states haven't published 2026 amounts yet), without state credits, SDI or local taxes (such as Philadelphia's wage tax). A guide, not tax advice.
2026 and 2025 tax brackets
Each rate applies only to the slice of income inside its bracket. Moving into a higher bracket raises the tax only on the dollars above the line.
| Rate | Single | Married filing jointly | Head of household | Married filing separately |
|---|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 | $0 – $17,700 | $0 – $12,400 |
| 12% | $12,400 – $50,400 | $24,800 – $100,800 | $17,700 – $67,450 | $12,400 – $50,400 |
| 22% | $50,400 – $105,700 | $100,800 – $211,400 | $67,450 – $105,700 | $50,400 – $105,700 |
| 24% | $105,700 – $201,775 | $211,400 – $403,550 | $105,700 – $201,750 | $105,700 – $201,775 |
| 32% | $201,775 – $256,225 | $403,550 – $512,450 | $201,750 – $256,200 | $201,775 – $256,225 |
| 35% | $256,225 – $640,600 | $512,450 – $768,700 | $256,200 – $640,600 | $256,225 – $384,350 |
| 37% | over $640,600 | over $768,700 | over $640,600 | over $384,350 |
Standard deduction 2026: Single $16,100 · Married filing jointly $32,200 · Head of household $24,150
| Rate | Single | Married filing jointly | Head of household | Married filing separately |
|---|---|---|---|---|
| 10% | $0 – $11,925 | $0 – $23,850 | $0 – $17,000 | $0 – $11,925 |
| 12% | $11,925 – $48,475 | $23,850 – $96,950 | $17,000 – $64,850 | $11,925 – $48,475 |
| 22% | $48,475 – $103,350 | $96,950 – $206,700 | $64,850 – $103,350 | $48,475 – $103,350 |
| 24% | $103,350 – $197,300 | $206,700 – $394,600 | $103,350 – $197,300 | $103,350 – $197,300 |
| 32% | $197,300 – $250,525 | $394,600 – $501,050 | $197,300 – $250,500 | $197,300 – $250,525 |
| 35% | $250,525 – $626,350 | $501,050 – $751,600 | $250,500 – $626,350 | $250,525 – $375,800 |
| 37% | over $626,350 | over $751,600 | over $626,350 | over $375,800 |
Standard deduction 2025: Single $15,750 · Married filing jointly $31,500 · Head of household $23,625
State rates 2025
| Rate | Single | Married filing jointly | Head of household | Married filing separately |
|---|---|---|---|---|
| 1% | $0 – $11,079 | $0 – $22,158 | $0 – $22,173 | $0 – $11,079 |
| 2% | $11,079 – $26,264 | $22,158 – $52,528 | $22,173 – $52,530 | $11,079 – $26,264 |
| 4% | $26,264 – $41,452 | $52,528 – $82,904 | $52,530 – $67,716 | $26,264 – $41,452 |
| 6% | $41,452 – $57,542 | $82,904 – $115,084 | $67,716 – $83,805 | $41,452 – $57,542 |
| 8% | $57,542 – $72,724 | $115,084 – $145,448 | $83,805 – $98,990 | $57,542 – $72,724 |
| 9.3% | $72,724 – $371,479 | $145,448 – $742,958 | $98,990 – $505,208 | $72,724 – $371,479 |
| 10.3% | $371,479 – $445,771 | $742,958 – $891,542 | $505,208 – $606,251 | $371,479 – $445,771 |
| 11.3% | $445,771 – $742,953 | $891,542 – $1,485,906 | $606,251 – $1,010,417 | $445,771 – $742,953 |
| 12.3% | over $742,953 | over $1,485,906 | over $1,010,417 | over $742,953 |
California standard deduction: $5,706 (single, separate), $11,412 (joint, head of household).
| Rate | Single | Married filing jointly | Head of household | Married filing separately |
|---|---|---|---|---|
| 4% | $0 – $8,500 | $0 – $17,150 | $0 – $12,800 | $0 – $8,500 |
| 4.5% | $8,500 – $11,700 | $17,150 – $23,600 | $12,800 – $17,650 | $8,500 – $11,700 |
| 5.25% | $11,700 – $13,900 | $23,600 – $27,900 | $17,650 – $20,900 | $11,700 – $13,900 |
| 5.5% | $13,900 – $80,650 | $27,900 – $161,550 | $20,900 – $107,650 | $13,900 – $80,650 |
| 6% | $80,650 – $215,400 | $161,550 – $323,200 | $107,650 – $269,300 | $80,650 – $215,400 |
| 6.85% | $215,400 – $1,077,550 | $323,200 – $2,155,350 | $269,300 – $1,616,450 | $215,400 – $1,077,550 |
| 9.65% | $1,077,550 – $5,000,000 | $2,155,350 – $5,000,000 | $1,616,450 – $5,000,000 | $1,077,550 – $5,000,000 |
| 10.3% | $5,000,000 – $25,000,000 | $5,000,000 – $25,000,000 | $5,000,000 – $25,000,000 | $5,000,000 – $25,000,000 |
| 10.9% | over $25,000,000 | over $25,000,000 | over $25,000,000 | over $25,000,000 |
New York standard deduction: $8,000 (single, separate), $16,050 (joint), $11,200 (head of household), plus $1,000 per dependent. Above $107,650 of income the state phases out the benefit of the lower brackets, so all income ends up taxed at your top rate.
| Rate | Single | Married filing jointly | Head of household | Married filing separately |
|---|---|---|---|---|
| 3.078% | $0 – $12,000 | $0 – $21,600 | $0 – $14,400 | $0 – $12,000 |
| 3.762% | $12,000 – $25,000 | $21,600 – $45,000 | $14,400 – $30,000 | $12,000 – $25,000 |
| 3.819% | $25,000 – $50,000 | $45,000 – $90,000 | $30,000 – $60,000 | $25,000 – $50,000 |
| 3.876% | over $50,000 | over $90,000 | over $60,000 | over $50,000 |
| Single, Married filing separately | Married filing jointly, Head of household |
|---|---|
| 1.4% $0 – $20,000 | 1.4% $0 – $20,000 |
| 1.75% $20,000 – $35,000 | 1.75% $20,000 – $50,000 |
| 3.5% $35,000 – $40,000 | 2.45% $50,000 – $70,000 |
| 5.525% $40,000 – $75,000 | 3.5% $70,000 – $80,000 |
| 6.37% $75,000 – $500,000 | 5.525% $80,000 – $150,000 |
| 8.97% $500,000 – $1,000,000 | 6.37% $150,000 – $500,000 |
| 10.75% over $1,000,000 | 8.97% $500,000 – $1,000,000 |
| 10.75% over $1,000,000 |
New Jersey has no standard deduction: instead, a $1,000 exemption per person (another $1,000 at 65+) and $1,500 per child.
Illinois: flat 4.95%, $2,850 exemption per family member (none above $250,000 of income, $500,000 for couples). Pennsylvania: 3.07% on all income, no deductions; cities may add their own tax. Massachusetts: 5%, plus 4% on income over $1,083,150; exemptions $4,400 (single), $6,800 (head of household), $8,800 (couples) and $1,000 per dependent.
Sources: IRS Rev. Proc. 2025-32, IRS Rev. Proc. 2024-40, SSA 2026, FTB, NY IT-201-I, NJ-1040, Illinois Comptroller, PA Revenue, Mass DOR. Checked October 26, 2026.