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Calculadora · EE. UU.

Tasa efectiva de impuestos

Calcula qué parte de tus ingresos corresponde a impuestos.

Tus datos

Tasa efectiva de impuestos

Calcula qué parte de tus ingresos corresponde a impuestos.
TAX YEAR 2026

Federal: IRS · State: Texas Comptroller of Public Accountsus-tax-2026-v1

$
Dependents and tax year

Defaults cover the common case: no dependents, the current tax year.

Texas has no state income tax, and federal credits for dependents are not modelled here, so this does not change the result.

Effective tax rate

20.82%$20,820 of $100,000 (federal, FICA and state)
Your federal bracket22.00%8.83% above your federal effective rate
Federal effective13.17%$13,170 of income tax
Tax on your next $1,00029.65%What a raise is actually taxed at

Confianza mediaCredits, itemized deductions and other income are not modeled.

Cómo lo calculamos
  1. Gross annual$100,000.00
  2. Federal income tax13.17% of gross, on $83,900.00 of taxable income$13,170.00
  3. Social Security and Medicare7.65% of gross. Charged from the first dollar, with no deduction$7,650.00
  4. Texas income tax0% of gross$0.00
  5. Total tax20.82% of gross$20,820.00
  6. Your federal bracketThe rate on your last taxable dollar. It is 8.83% above your federal effective rate because the standard deduction and the lower brackets come first22%
  7. Tax on your next $1,00029.65% — federal, FICA and state together. This is what a raise is taxed at, not the effective rate$296.50
Supuestos del cálculo
  • Effective tax rate here means total tax divided by gross pay, not by taxable income. Dividing by taxable income gives a higher number and is not what most people mean.
  • The federal bracket shown is the rate on your last dollar of taxable income. It is a rate on part of your income, never on all of it.
  • The next-$1,000 figure is measured by running the whole calculation again $1,000 higher, so it accounts for state credits and phase-outs rather than assuming a flat bracket. It is an effective marginal rate across that $1,000, not a statutory marginal rate: if the interval crosses the Social Security wage base it averages both sides of it, which is what actually happens to the money.
  • This estimate uses tax year 2026.
  • Federal filing status: Single.
  • Federal income tax uses the IRS standard deduction of $16,100.00. Itemized deductions are not used.
  • Federal tax credits, capital gains, self-employment tax and AMT are not included. State exemption credits are included where this snapshot carries them.
  • What a dependent is worth depends entirely on the state, and in several it is worth nothing. The dependents field says so beneath itself when that is the case.
  • Employer benefits and pre-tax payroll deductions are not included.
  • This is an estimate, not a tax return or employer withholding notice.
  • Federal source: IRS Revenue Procedure for tax year 2026.
  • Texas does not levy a wage income tax in this snapshot. The state tax line is $0.
  • This state levies no local income tax on wages, so nothing is omitted on that account.
  • Filing status: Single.
Detalles técnicos

Method effective-tax-rate-v1.0.0Data us-tax-2026-v1

¿Discrepancia en los números? Puedes hacer clic en Informar de un resultado incorrecto abajo o escribir a hello@costanswer.com con las líneas de Método y Datos.

Guía

Por qué tu tasa efectiva de impuestos es mucho menor que tu tramo impositivo

CostAnswer editorialIndependent calculator publisher

Decir que estás en el tramo del 22% no significa que el 22% de todo tu sueldo se vaya en impuestos federales. Solo la última porción lo hace. Esta calculadora te muestra la diferencia entre tu tasa marginal y tu tasa efectiva real.

La diferencia entre tasa marginal y tasa efectiva

Tu tasa marginal es el porcentaje que pagaría tu próximo dólar ganado. Tu tasa efectiva es el porcentaje promedio real: impuestos federales totales divididos entre tu ingreso total.

Por ejemplo, un contribuyente soltero con un sueldo de $75,000 puede estar en el tramo marginal del 22%, pero su tasa efectiva federal puede rondar el 9% o 10% después de la deducción estándar y los tramos del 10% y 12%.

Preguntas frecuentes sobre esta calculadora

¿Qué es la tasa efectiva de impuestos?

Es el porcentaje real de tus ingresos brutos totales que pagas en impuestos. Se calcula dividiendo el total de impuestos pagados entre tus ingresos totales.

¿Cómo puedo reducir mi tasa efectiva?

Aumentando tus deducciones antes de impuestos (como aportaciones a cuentas 401(k), HSA o IRA tradicionales) y aprovechando créditos fiscales como el Crédito Tributario por Hijos.

Términos utilizados

Tasa efectiva (Effective tax rate)
Porcentaje promedio de impuestos pagados en relación con el ingreso total.
Tasa marginal (Marginal tax rate)
Tasa aplicada al último tramo de ingresos imponibles.

Consejos prácticos

Usa tu tasa efectiva para presupuestar tus gastos anuales, y tu tasa marginal para evaluar el impacto de un aumento salarial o un ingreso extra.

Límites y advertencias

Cálculo para propósitos informativos generales. No incluye créditos específicos no modelados ni deducciones comerciales.

Los resultados son meramente informativos. No constituyen asesoramiento legal, fiscal, médico ni financiero. Cómo mantenemos los cálculos · Informar de una cifra incorrecta.

Notas del cálculo

Detalles sobre redondeos, versiones y límites del cálculo.

  • Effective rate is measured against gross pay. Total tax divided by gross pay, not by taxable income. Dividing by taxable income gives a higher number (the $16,100 standard deduction has already come out of it), and it is not what people mean when they ask what share of their pay goes to tax.
  • The bracket is a rate on your last dollar. Your federal bracket is read from the rate schedule for your filing status, using taxable income. It applies to the slice of income inside that band and nothing below it, which is the whole reason the effective rate comes out lower. The gap between the two is stated on the page rather than left to be noticed.
  • The next $1,000 is measured, not assumed. The rate on additional pay is found by running the entire calculation again a thousand dollars higher and taking the difference. That is slower than reading a bracket off a table, and it is the most reliable general method over a combined federal, payroll, and state engine; states that phase a credit out, subtract federal tax, or switch schedules have no single published marginal rate to read. It is an effective marginal rate across that $1,000, not an instantaneous one: where the interval crosses a boundary such as the Social Security wage base, the figure is the weighted average of both sides. That is the right answer to what happens to your next $1,000, and it is deliberately not labelled a statutory marginal rate.
  • What is left out. Credits, itemized deductions, retirement contributions, self-employment tax and income other than wages are not modeled. Local income taxes are named where a state has them but never estimated. Where a state schedule in this snapshot is a year behind, the page says so.

Datos del cálculo

De dónde sale cada cifra

This answer is built from published figures. Each one is named below, with the release it came from.

VERIFIEDIRS and state revenue departments · Tax year 2026
Sets the figures this answer is made of. Without it the page says so rather than estimating.

Si alguna de las fuentes no está disponible o está desactualizada: An effective rate is liability over income, and liability comes entirely from the published schedules.

Fuentes

De dónde vienen los datos

Internal Revenue ServiceRevenue Procedure 2025-32. Brackets and the $16,100 single standard deduction for 2026. Snapshot us-tax-2026-v1.IRS · Tax year 2026 ↗Social Security AdministrationOASDI contribution and benefit base. The Social Security wage base and Medicare rates behind the FICA share of the effective rate.Verified 2026-09-03 ↗State revenue agenciesState wage tax schedules for all 51 jurisdictions, each transcribed from that state's own publication and named on the result.Verified 2026-09-03 ↗

A continuación

People working through pay and take-home usually need these next.

DineroTramos del impuesto federalConsulta tu tramo marginal y cómo se aplica a tus ingresos.DineroSalario después de impuestosConvierte un sueldo anual en ingreso neto federal, estatal y FICA.DineroSueldo neto después de impuestosEstima tu nómina después de impuestos federales, estatales y FICA.DineroImpuestos sobre bonosEstima la retención de impuestos de un bono salarial.DineroDe paga por hora a salario anualCalcula el sueldo bruto semanal, mensual y anual con tus horas y semanas pagadas.Día a díaHoras de trabajoSuma horas, descansos y jornadas para preparar un registro de trabajo.