What you actually owe, all-in. Test a scenario on the Calculator, keep this year's picture in My As-Is, and Compare the bite.
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.
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.
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.
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.
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.
This calculator works on its own — but it shares your numbers with eight more. Together, they become a command center for your whole financial picture.