Federal + State + FICA
NerdWallet Income Tax Calculator – Estimate Taxes & Take-Home Pay
Estimate federal, state, and local income tax for any US location. Enter a ZIP code to see your state on the map and get accurate state and local tax (e.g. NYC).
Your financial details
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Tax estimate
Your results will appear here after you run the calculator.
What is the NerdWallet Income Tax Tool?
A comprehensive engine for calculating USA federal and state liabilities.
7 Federal Brackets
Calculates taxes across the progressive IRS tiers, ranging from the 10% bottom up to the 37% top rate.
State Multi-Tool
Includes specific math for all 50 states, including progressive, flat, and no-income-tax jurisdictions.
FICA Calculations
Automatically factors in federal Social Security (6.2%) and Medicare (1.45%) from your gross salary.
Standard Deduction
Integrates the latest IRS standard deduction figures to ensure your taxable income is correctly estimated.
Filing Statuses
Models liability for Single, Married Filing Jointly, Separately, and Head of Household with precision.
1099 Support
A specialized module for USA freelancers and gig workers to handle the full 15.3% self-employment tax.
2024/2025 Updates
Updated with the latest IRS inflation adjustments and federal legislative changes for the current year.
Effective Rate
Visualizes the true percentage of your salary going toward the state versus federal government obligations.
Why Use a Comprehensive Tax Calculator?
Navigating your financial future with absolute data-driven precision.
Take-Home Clarity
Know exactly what hits your bank account each month after all federal and state withholdings are taken.
Optimize Deductions
See in real-time how increasing retirement contributions or HSA deposits lowers your total tax bill.
Relocation Math
Compare take-home pay if you move from high-tax states like CA or NY to tax-friendly states like TX or FL.
Instant Results
Skip the complex IRS worksheets and manual math. Get a professional-grade tax projection in milliseconds.
100% Data Privacy
Your financial data remains private. All calculations are performed locally inside your browser on your device.
Retirement Ready
Model your future take-home pay to ensure your retirement savings goals align with your actual net income.
Eliminate Errors
Avoid manual calculation mistakes by using our pre-tested algorithms that match latest federal tax laws.
Audit Your Paystub
Verify that your employer is withholding the correct federal and state amounts to avoid April surprises.
How to Maximize Your USA Tax Return?
Strategic ways to keep more of your hard-earned money using federal incentives.
Max Out 529 Plans
While federal rules vary, many states offer deductions for contributions to college savings accounts.
Claim Child Credits
Ensure you are applying the full $2,000 Child Tax Credit to reduce your tax bill dollar-for-dollar.
HSA Contributions
Maximize your Health Savings Account to lower your federal taxable income while saving for future costs.
Itemize vs Standard
Compare mortgage interest and state taxes against the standard deduction to see which method saves you more.
401(k) Pre-Tax Math
Contributing to a 401(k) is the most effective way to lower your federal tax tier while growing your wealth.
Harvest Tax Losses
Offset capital gains by selling underperforming assets to reduce your total annual taxable profit.
Charitable Giving
Deduct donations to qualified 501(c)(3) organizations to offset your high marginal tax liability.
Professional Advice
Use our report as a foundation for a detailed discussion with a certified tax professional or CPA.
