Method
Every figure is an estimate for a single filer with wage income only, taking the standard deduction, with no pre-tax retirement or health contributions and no credits other than those noted.
Federal income tax (tax year 2026)
Standard deduction $16,100. Brackets 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
- 37% above $640,600
Source: IRS.
Social Security and Medicare
Social Security 6.2% on wages up to $184,500 (SSA, 2026). Medicare 1.45% on all wages, plus 0.9% Additional Medicare Tax on wages over $200,000.
State income tax
- Texas: No state income tax.
- Florida: No state income tax.
- Washington: No tax on wages. Washington does have payroll programs (WA Cares, paid leave) that aren't included here.
- Nevada: No state income tax.
- Tennessee: No tax on wages.
- Illinois: Flat 4.95% after the personal exemption (we use the latest published amount, $2,850; the 2026 figure may be slightly higher).
- Pennsylvania: Flat 3.07% on wages. Local earned-income taxes (often 1% or more) are not included.
- California: Tax year 2026 schedule from the Franchise Tax Board, plus the 1% Mental Health Services Tax over $1 million. State disability insurance (SDI) withholding is not included.
- New York: Tax year 2026 rates (the lowest five brackets were cut by 0.1 point). Excludes New York City tax and the state's "tax benefit recapture" for incomes over $107,650, which adds to the bill at higher incomes.
Local income taxes and state payroll programs are excluded. Data compiled November 9, 2026.