Federal + State + FICA
NerdWallet Income Tax Calculator – Free Estimator
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
Enter a ZIP code to highlight your state
Tax estimate
Your results will appear here after you run the calculator.
What is the Professional Tax Calculator?
A high-precision engine for calculating total Federal and State liabilities.
7 Federal Brackets
Uses the latest IRS progressive tiers (10% to 37%) to accurately determine your marginal tax rate.
50-State Support
Integrated state tax laws for every region, including progressive, flat-rate, and zero-tax states.
FICA Deductions
Calculates mandatory Social Security and Medicare withholdings, including the Additional Medicare Tax.
Standard Deduction
Includes the updated 2024/2025 deduction limits for Single, Joint, and Head of Household filers.
1099/Gig Economy
A specialized module for freelancers to compute the full 15.3% self-employment tax and business subtractions.
Capital Gains
Accounts for the specific tax treatment of long-term investments versus ordinary earned income.
Yearly Updates
Updated annually based on official IRS inflation adjustments and updated legislative revenue procedures.
Effective Rate
View the real percentage of your income lost to taxes after all credits and exemptions are applied.
Why Use a Financial-Grade Tax Tool?
Empowering your financial decisions with data-driven clarity.
Salary Evaluation
Before accepting a new offer, see exactly how much that "gross salary" nets you after local and federal take.
Move Comparison
Relocating? Compare your take-home pay between two different states side-by-side to find the best value.
Real-Time Results
Skip the complex worksheets. Get a professional-grade tax summary for any salary in under a second.
Privacy Guaranteed
Your financial data stays on your device. All calculations are performed entirely within your browser.
Savings Simulation
See exactly how a contribution to your 401(k) or traditional IRA lowers your tax bill in real-time.
Eliminate Errors
Avoid manual mistakes by using our pre-tested algorithms that follow the latest federal and state statutes.
Tax Education
Learn how the progressive tax system works and how your income level affects your total deductions.
Verify Withholding
Check if your employer is withholding the correct amount of tax to avoid a surprise balance or penalty.
How to Maximize Your Tax Savings?
Strategic ways to reduce your liability and grow your personal wealth.
Maximize Pre-Tax
Contributions to 401(k) or 403(b) plans provide an immediate deduction from your federal Adjusted Gross Income.
HSA Strategy
Utilize Health Savings Accounts for a triple-tax advantage: tax-free contributions, growth, and withdrawals.
Claim Credits
Ensure you are claiming the Child Tax Credit and Education Credits which provide dollar-for-dollar bill reductions.
Itemized Options
Track your mortgage interest and charitable gifts to see if they exceed your standard deduction amount.
Loss Harvesting
Strategic selling of underperforming assets can keep you in lower capital gains tiers and offset other profits.
Charity Deductions
Donations to qualified 501(c)(3) organizations can be deducted if you choose to itemize your return.
Business Deductions
For freelancers, track every business-related expense—from home office to gear—to lower your taxable revenue.
Adjust W-4 Form
Use our data to update your withholding allowances, ensuring you aren't giving the government an interest-free loan.
