Federal + FICA + state tax on W-2 wages. 2025 / 2026 tax years, all 50 states + DC.
Enter your ZIP to compute local city tax.
True gross — what you earn before any pre-tax payroll deductions are taken out. Add back 401(k), HSA, and § 125 amounts that come off Box 1.
Pre-tax contributions
Each line behaves differently for FICA — see the help text on each field. Caps depend on age (50+ catch-up, 60–63 super-catch-up) and HDHP coverage.
Reduces federal taxable wages. Not FICA-deductible — § 3121(a)(5) keeps elective deferrals in SS/Medicare wages.
Above-the-line federal deduction; not FICA. § 219(g) phase-out applied automatically when you have any 401(k) (we treat that as workplace-plan coverage). The result panel shows the post-phase-out deductible amount.
Determines the HSA contribution cap below.
Through-payroll only (Code W on W-2). Reduces both federal taxable wages and FICA.
Outside-payroll contributions claimed on Form 8889. Federal deduction only — no FICA savings (no § 125 cafeteria-plan treatment for outside-payroll deposits).
Leave at 0 to use the standard deduction. Calculator takes the larger of standard or itemized.
Your total tax bill (2025)
$—
Enter your gross W-2 wages to see your estimate.
Federal income tax
$—
FICA (SS + Medicare)
$—
Take-home pay
$—
Taxable income $— · standard deduction $—
Own a rental? Cost segregation can cut this tax bill.
A typical engineered study shifts 20–25% of your property basis into accelerated classes, creating a large year-1 deduction.