Income Tax Calculator

Your whole tax picture, not just income tax

Most tax tools stop at federal income tax. This income tax calculator adds up everything — federal and state income tax, Social Security and Medicare, self-employment tax, property tax, and any other taxes you carry — to show your true all-in burden for the year and the effective rate it represents.

Effective rate vs. bracket

Your tax bracket is the rate on your last dollar; your effective rate is what you actually pay across all of your income. The second number is almost always lower, and far more useful for planning.

Quarterly planner for the self-employed

When you have self-employment income, the calculator surfaces a quarterly estimate so you can set money aside on schedule instead of scrambling at filing time.

It pulls the rest of your picture

Income-tax detail comes from the Income calculator and property tax from Mortgage, so you never re-enter anything — change a number there and your all-in tax updates here.

What the all-in number is for

Knowing your true tax total — not just the income-tax line — is what lets you plan: setting aside the right amount, judging whether a raise or a move actually leaves you ahead, and seeing the real return on pretax saving. The effective rate is the single most useful figure for those decisions.

Working for yourself?

1099 income carries self-employment tax on top of income tax — what to set aside for taxes works through the full arithmetic and the quarterly deadlines.

Frequently asked questions