2026 federal + state tax · Social Security · Medicare · all 50 states
Estimates only — based on 2026 IRS federal rates and state income tax rates. Does not include local city taxes, AMT, all credits, or all deductions. State tax is a simplified bracket calculation using top marginal rates. Consult a qualified tax professional for your actual return.
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Standard deduction 2026: $16,100 single · $32,200 MFJ · $24,150 HOH
No state income tax states
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming — residents pay federal tax only.
Highest state top rates 2026
California13.3%
Hawaii11.0%
New Jersey10.75%
Oregon9.9%
Minnesota9.85%
DC10.75%
New York10.9%
Vermont8.75%
FICA payroll taxes 2026
Social Security (employee)6.2%
SS wage base$184,500
Medicare (employee)1.45%
Additional Medicare >$200k+0.9%
Self-employed total FICA15.3%
Tips to lower your bill
Max out your 401(k) ($24,500 in 2026) to reduce taxable income. HSA contributions are triple tax-advantaged. If self-employed, deduct half your FICA from AGI. Moving to a no-tax state can save thousands annually.
