Income tax calculator
Work out your income tax. See what comes off your pay for payroll taxes and contributions. Then see your take-home pay for the year and the month, with state, regional and municipal taxes where they apply.
Income tax
$7,398.00
On $64,000.00 a year in California. Rules for 2026.
- Take-home pay a year
- $50,874.00
- Take-home pay a month
- $4,239.50
Not every figure here has been checked against an official calculator for 2026 yet.
Not included: pre-tax deductions from pay such as 401(k), health insurance and HSA contributions, a second job (extra Social Security withheld comes back on your return), children aged 19 or over and other dependents, the child and dependent care credit, the 2025 law’s deductions for tips, overtime and car loan interest, the charitable deduction for people who do not itemize, IRA, student loan interest and educator adjustments, being claimed as someone else’s dependent, the extra standard deduction for blindness, the removal of state income tax from itemized deductions in states that require it, local taxes charged where you work (such as occupational taxes in Alabama, Colorado and Kentucky, and Pennsylvania’s Local Services Tax) and credits for local tax paid there, spouses living in different places, part-year residence, Portland’s Arts Tax, Ohio’s school district senior credit and Michigan cities’ extra exemptions for age and disability, Vermont’s optional child-care contribution, state credits that need a separately filing spouse’s income, and income other than wages.
Not included for California: the renter’s credit, and any deduction or credit for age 65 and over.
State, regional and local figures use imported rates and may differ from the official ones. Check it at Franchise Tax Board (opens in a new tab)
How your federal income tax is worked out
- Gross pay
- $64,000.00
- Tax by bracket
- $5,503.00
- Federal income tax
- $5,503.00
| Bracket | Income in it | Rate | Tax |
|---|---|---|---|
| $0–$12,400 | $12,400.00 | 10% | $1,240.00 |
| $12,400–$50,400 | $35,500.00 | 12% | $4,260.00 |
| $50,400–$105,700 | $0.00 | 22% | $0.00 |
| $105,700–$201,775 | $0.00 | 24% | $0.00 |
| $201,775–$256,225 | $0.00 | 32% | $0.00 |
| $256,225–$640,600 | $0.00 | 35% | $0.00 |
| Over $640,600 | $0.00 | 37% | $0.00 |
Brackets for your filing status, on your taxable income after your deductions. Below $100,000 the IRS tax table taxes the middle of the small band your income falls in, so the brackets’ total can differ from the tax by a few dollars.
Only the part of your income inside each bracket is taxed at that bracket’s rate.
How income tax is worked out
Most countries start from your gross pay, take off the deductions and allowances everyone gets plus any you claim, and tax what is left: your taxable income.
Taxable income is taxed in brackets. Only the part of your income inside each bracket is taxed at that bracket’s rate, so your marginal rate, on the next unit you earn, is usually higher than your effective rate, your total tax divided by your pay. Some countries use a formula instead of brackets, and some tax a couple together.
Credits are then taken off the tax itself. Some depend on your income, your age or your children; refundable ones can make the tax negative.
Payroll taxes and contributions
Your employer also takes social security, pension, health, unemployment or care contributions from your pay. Most of them fund benefits rather than general spending. Some stop at a ceiling or fall to a lower rate above it; others apply to all of your pay.
That is why your take-home pay is usually lower than your gross pay minus income tax. In some countries these contributions also lower your taxable income.
State, regional and municipal taxes
In the United States, Canada, Spain, Italy, Switzerland, Belgium, Sweden, Denmark, Finland and Iceland, a state, province, region, canton or municipality can also tax your income, at rates it sets itself.
The calculator fills in those rates from official lists, or from another public list where no official one is published, and shows where each one comes from. They can change during the year, so check yours at the source linked under the field, and enter it there if it is different.
Income tax in each country
Australia: income tax for the 2026–27 income year, from 1 July to 30 June, the Medicare levy and, without private hospital cover, the Medicare levy surcharge.
Austria: wage tax for 2026 on 14 salaries, with the 13th and 14th taxed at their own rates, and social insurance.
Belgium: federal income tax on 2026 income, the regional and communal surcharges, and social security contributions.
Canada: federal and provincial or territorial income tax for 2026, CPP or QPP contributions and EI premiums, and in Quebec QPIP premiums.
France: income tax on the 2026 barème with the family quotient, CSG and CRDS, and pension contributions.
Germany: income tax for 2026 with the solidarity surcharge and church tax, and pension, health, care and unemployment insurance.
Ireland: income tax, the Universal Social Charge and PRSI for 2026.
Italy: Irpef for 2026, the regional and municipal surcharges, INPS contributions, and the tax-free sum and trattamento integrativo paid with lower wages.
Luxembourg: income tax for 2026 by tax class, the employment fund surcharge, and social security contributions.
Netherlands: income tax for 2026, with national insurance contributions inside the first bracket and the general and labor tax credits.
New Zealand: income tax for the 2026–27 tax year, from 1 April to 31 March, the ACC earners’ levy and KiwiSaver contributions.
Singapore: income tax for the year of assessment 2027, on your 2026 income, and CPF contributions for citizens and permanent residents.
Spain: the state and regional halves of income tax for 2026, the Basque Country’s and Navarre’s own systems, and social security.
Switzerland: federal, cantonal and communal income tax for 2026, church tax, and AHV, unemployment, occupational pension and accident insurance contributions.
United Kingdom: Income Tax and National Insurance for the 2026–27 tax year, from 6 April to 5 April. Scotland has its own Income Tax bands.
United States: federal income tax for 2026, the income tax of the state you live in, local income taxes where residents pay them, and Social Security and Medicare taxes.
Rules and rates come from each country’s tax authority and from official lists, or another public list where no official one is published. Each country’s figures were checked against its official calculator or official worked examples where one exists.
Related calculators
Frequently asked questions
- How is income tax calculated?
Your taxable income is your gross pay minus the deductions and allowances you are entitled to. It is taxed in brackets, or in some countries by a formula, and credits are then taken off the tax. In some countries a state, province, region, canton or municipality adds its own income tax, and payroll contributions come on top.
- What is the difference between my marginal and effective tax rate?
Your marginal rate is the tax on the next unit you earn: the rate of your top bracket plus any other income tax or credit that changes with your pay. Social security and other payroll contributions are not counted, except those a country counts as income tax, which show among the income tax lines. Your effective rate is your total income tax divided by your gross pay. It is usually lower than your marginal rate, because allowances and lower brackets cover the first part of your pay.
- How much is my take-home pay?
Your take-home pay is your gross pay minus income tax and payroll contributions, plus any sum paid with your wages, such as Italy’s tax-free sum. The calculator shows it for the year and as an average a month; your payslips can differ if you are paid 13 or 14 times a year or your employer withholds at a different pace.
- Will I get a tax refund?
In the United States, Canada and Australia, enter the tax already withheld from your pay. The calculator compares it with the tax worked out for the year and shows an estimated refund or the amount you owe. In Austria it shows the refund you can expect from your tax return when there is one.
- What if my local tax rate is different?
State, regional and municipal rates are filled in from official lists, or from another public list where no official one is published, and a list can lag behind a change. Each field names its source and links to where you can check it: check your rate there and type it into the field, and the result uses it. A button under the field puts the imported rate back.
- How accurate is this calculator?
It follows each country’s published rules for an employee whose only income is wages, and it was checked against each country’s official calculator or worked examples where one exists. Your actual tax can differ if you have other income or claim reliefs the form does not ask about; the result lists what it leaves out.