Federal tax brackets, FICA limits, standard deductions, every state's income tax rate, retirement contribution limits, income percentiles, and federal poverty guidelines — one page, with sources, free to cite.
| Rate | Single | Married Filing Jointly | Head of Household |
|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 | $0 – $17,700 |
| 12% | $12,400 – $50,400 | $24,800 – $100,800 | $17,700 – $67,450 |
| 22% | $50,400 – $105,700 | $100,800 – $211,400 | $67,450 – $105,700 |
| 24% | $105,700 – $201,775 | $211,400 – $403,550 | $105,700 – $201,775 |
| 32% | $201,775 – $256,225 | $403,550 – $512,450 | $201,775 – $256,200 |
| 35% | $256,225 – $640,600 | $512,450 – $768,700 | $256,200 – $640,600 |
| 37% | $640,600+ | $768,700+ | $640,600+ |
Standard deduction: $16,100 (single) · $32,200 (married filing jointly) · $24,150 (head of household).
| Tax | Rate | Wage Limit |
|---|---|---|
| Social Security (employee) | 6.2% | Up to $184,500 |
| Social Security (self-employed) | 12.4% | Up to $184,500 |
| Medicare | 1.45% | All wages, no cap |
| Additional Medicare | +0.9% | Above $200,000 single / $250,000 married |
| Self-employment tax (combined) | 15.3% | 12.4% + 2.9% up to $184,500, then 2.9% only |
Above the $184,500 wage base, Social Security tax stops entirely — only Medicare (and the 0.9% surtax, if applicable) continues to apply.
| State | Top Rate | Eff. Rate @ $75k | Eff. Rate @ $150k |
|---|---|---|---|
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"Effective rate" is actual state tax divided by income (single filer, no other deductions) — always lower than the top marginal rate, since brackets are graduated. Nine states have no income tax at all: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming (New Hampshire taxes interest/dividends only).
| Account | Standard Limit | Catch-Up (Age 50/55+) |
|---|---|---|
| 401(k) / 403(b) | $23,500 | +$7,500 (age 50+) |
| HSA — Individual | $4,300 | +$1,000 (age 55+) |
| HSA — Family | $8,550 | +$1,000 (age 55+) |
| Individual Income | Approx. Percentile |
|---|---|
| $30,000 | 27th–28th |
| $50,200 (median) | 50th |
| $75,000 | 68th |
| $90,000 | 76th |
| $175,000 | 93rd |
2026 federal poverty guidelines: $15,960 for a single person, $33,000 for a household of four. These thresholds determine eligibility for programs like Medicaid and ACA premium subsidies — notably, a $30,000 individual salary is above the single-person line but below the line for a family of four.
For single filers: 10% up to $12,400, 12% up to $50,400, 22% up to $105,700, 24% up to $201,775, 32% up to $256,225, 35% up to $640,600, and 37% above that. Married filing jointly brackets are roughly double at each threshold. Source: IRS Rev. Proc. 2025-32.
$184,500. Social Security tax (6.2% for employees, 12.4% for the self-employed) only applies up to this amount of wages per year — income above it isn't subject to Social Security tax, though Medicare tax still applies to all wages. Source: SSA.gov.
$16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household. This is the amount subtracted from income before federal tax brackets apply. Source: IRS Rev. Proc. 2025-32.
Nine states: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. New Hampshire taxes interest and dividend income only, not wages. All nine still have federal income tax and FICA.
Roughly the 68th percentile of individual earners — meaning about 68% of US individual earners make less than $75,000. Median individual income is approximately $50,200. Source: DQYDJ, using Census/IRS-derived data.
$15,960 for a single person and $33,000 for a household of four, per 2026 HHS poverty guidelines. These figures are used to determine eligibility for programs like Medicaid and ACA subsidies.
401(k): $23,500 for employees under 50, $31,000 with the catch-up contribution for those 50 and older. HSA: $4,300 for individual coverage, $8,550 for family coverage, plus a $1,000 catch-up for those 55 and older.
California has the highest top marginal rate at 13.3%, applying to taxable income above $1,000,000 (single). Hawaii (11%) and New York (10.9%) follow. These are top marginal rates — most residents pay well below the top rate since brackets are graduated.
This page is built from the same verified data that powers every calculator on TakeHomeDollar.com — not a separate, lower-effort summary. It's updated as tax law changes rather than on a fixed schedule.
State tax figures do not include local taxes (e.g. NYC, Yonkers, Maryland counties, Ohio/Pennsylvania localities) or state payroll programs (e.g. California SDI, New York SDI/PFL). Found an error or have a source correction? Contact us.
All figures on this page reflect 2026 US federal and state tax law as of the last-verified date above. Tax laws change — this page is for reference, not tax or financial advice. Consult a licensed CPA for your specific situation.