Effective Tax Rate Calculator
Calculate your true effective tax rate including federal, state, and FICA. Compare to marginal rate.
By Konstantin Iakovlev · Updated September 2026 · Source: IRS Rev. Proc. 2025-32 §4.01 and §4.14 — 2026 tax brackets and standard deduction
Effective Total Rate
20.82%
Marginal Rate
22%
Total Tax
$20,820.00
Effective vs Marginal Rate
| Federal Marginal Bracket | 22% |
| Effective Federal Rate | 13.17% |
| Effective FICA Rate | 7.65% |
| Effective Total Tax Rate | 20.82% |
Tax Breakdown
| Gross Income | $100,000.00 |
| Taxable Income | $83,900.00 |
| Federal Income Tax | $13,170.00 |
| FICA (SS + Medicare) | $7,650.00 |
| Total Tax | $20,820.00 |
| After-Tax Income | $79,180.00 |
Use the Effective Tax Rate Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How It Works
Your effective tax rate is the share of income you genuinely hand over in taxes once deductions, credits, and the layered tax brackets have all done their work. Knowing it gives you a grounded basis for budgeting, planning, and comparing your tax burden from one year to the next or against other taxpayers.
In Calculate mode the calculator figures 2026 federal income tax from the brackets after the standard deduction and any extra deductions you enter, then adds Social Security and Medicare tax and, if you pick a state, an approximate state income tax; in the other mode you enter your taxes paid and your income yourself. Either way it divides the tax by your total income before deductions, not by taxable income, so the rate shows how much of everything you earn goes to tax. That ratio paints a far truer picture of your burden than glancing at the top bracket your income happens to reach.
Because the system is progressive, the effective rate almost always comes in below your highest marginal bracket, and conflating the two is where people slip up. The marginal rate governs only your last dollar earned, while the effective rate captures the weight of the whole.
Example: Sarah's 2026 Tax Rates
- 1 Sarah is single, earns $100,000 in 2026, takes the standard deduction and lives in Texas, which has no state income tax.
- 2 Federal income tax: $100,000 − $16,100 = $83,900 of taxable income. 10% of $12,400 ($1,240) + 12% of $38,000 ($4,560) + 22% of $33,500 ($7,370) = $13,170.
- 3 Effective federal rate: $13,170 ÷ $100,000 = 13.17%, although her marginal bracket is 22%. Social Security (6.2%) and Medicare (1.45%) add $7,650, another 7.65%.
- 4 Effective total rate: ($13,170 + $7,650) ÷ $100,000 = 20.82%, leaving $79,180 after tax. The gap between 22% and 13.17% comes from the standard deduction and the 10% and 12% brackets on her first dollars of taxable income.
Source: IRS Rev. Proc. 2025-32 §4.01 and §4.14 — 2026 tax brackets and standard deduction · Last updated: September 2026
Frequently Asked Questions
What is the difference between effective and marginal tax rate?
What is the average effective tax rate in the US?
Does my effective tax rate include FICA?
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