Tax Calculator
Estimate your total 2024 US tax burden including federal income tax, FICA (Social Security + Medicare), and state income tax. See exactly how much goes to each tax type and what you take home.
Tax year 2024 (filed in 2025) — Federal + FICA + State estimates
Total Tax Estimator
Your total W-2 wages or salary before any deductions
Standard deduction: $14,600
No state income tax
How to Use This Tax Calculator
Enter Income and Status
Type your annual gross income and select your IRS filing status. Choose between standard or itemized deductions.
Select Your State
Pick your state from the dropdown to include an estimated state income tax. States with no income tax will show $0 for state tax.
Review Full Breakdown
See your total tax split into federal, FICA, and state components. Check your take-home pay on annual, monthly, biweekly, and weekly basis.
Taxes Included in This Calculator
Federal Income Tax
Progressive tax with seven brackets from 10% to 37%. Applied to your taxable income (gross income minus deductions). Uses the official 2024 IRS brackets from Revenue Procedure 2023-34.
FICA Taxes
Social Security (6.2% on wages up to $168,600) and Medicare (1.45% on all wages, plus 0.9% Additional Medicare Tax on wages over $200,000 for single filers). Applied to gross income before deductions.
State Income Tax
Estimated state tax using simplified flat or effective top rates for all 50 states plus DC. Nine states (AK, FL, NV, NH, SD, TN, TX, WA, WY) have no state income tax.
How Your Total Tax Is Calculated
Total Tax = Federal Income Tax + FICA + State TaxThis calculator combines three major tax obligations into one total estimate:
Federal Tax = Sum of (Income in each bracket x Bracket rate)Social Security = min(Gross Income, $168,600) x 6.2%Medicare = Gross Income x 1.45% [+ 0.9% over threshold]State Tax = Taxable Income x State Rate (simplified)Take-Home = Gross Income - Total TaxKey differences between the tax components:
- Federal income tax uses progressive brackets and applies to taxable income (after deductions)
- FICA taxes apply to gross wages before deductions, with Social Security capped at the wage base
- State tax varies dramatically by state, from 0% (nine states) to over 10% (California, New York)
- Take-home pay is what remains after all three tax components are subtracted
Frequently Asked Questions
What taxes are included in this calculator?
This calculator estimates three major tax components: federal income tax (using 2024 IRS brackets), FICA taxes (Social Security at 6.2% up to $168,600 and Medicare at 1.45%, plus the 0.9% Additional Medicare Tax for high earners), and an approximated state income tax based on your selected state. It does not include local taxes, self-employment tax, capital gains tax, or tax credits.
How accurate is the state tax estimate?
The state tax uses a simplified flat-rate approximation based on each state's top or effective marginal rate. States with progressive tax systems (like California, New York, and New Jersey) will show an approximate effective rate rather than the exact progressive calculation. For precise state tax calculations, consult your state's department of revenue or a tax professional.
What is FICA and why is it separate from income tax?
FICA stands for Federal Insurance Contributions Act. It funds Social Security (6.2% on wages up to $168,600 in 2024) and Medicare (1.45% on all wages, plus an additional 0.9% on wages over $200,000 for single filers). Unlike income tax, FICA is calculated on gross wages before deductions and has no standard deduction or brackets. Your employer pays a matching amount, but this calculator shows only the employee portion.
What is the difference between this calculator and the Income Tax Calculator?
The Income Tax Calculator focuses exclusively on federal income tax with a detailed bracket-by-bracket breakdown, effective vs. marginal rates, and deduction analysis. This Tax Calculator provides a broader view of your total tax burden including federal income tax, FICA (Social Security + Medicare), and state income tax, showing your complete take-home pay picture. Use the Income Tax Calculator for deeper federal tax analysis, and this calculator for a comprehensive overview.
Which states have no income tax?
Nine states have no state income tax on earned wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. New Hampshire previously taxed interest and dividends but repealed that tax effective 2025. Washington state does impose a 7% tax on capital gains over $270,000, but not on regular earned income.
Important Disclaimer
This calculator provides estimates for educational purposes only. Federal income tax uses 2024 brackets, FICA uses 2024 rates and wage bases, and state taxes use simplified approximations. It does not account for tax credits, local taxes, self-employment tax, AMT, capital gains, pre-tax retirement contributions, or other adjustments. Your actual tax liability may differ. For detailed federal analysis, use our Income Tax Calculator. Always consult a qualified tax professional for official tax preparation.