Comprehensive Income Calculator

Complete income and tax calculator. Calculate federal & state taxes, FICA, take-home pay, and tax brackets for all filing statuses. Includes 401(k), HSA, child tax credit, and per-paycheck breakdown.

This calculator layers federal tax, all-50-state tax, and FICA on top of a standard paycheck model, and only two pre-tax deductions actually reduce Taxable Income: the 401(k) Contribution and any HSA Contribution are subtracted before Federal Income Tax is calculated (line 66), while Health Insurance premiums, FSA Contribution, and Other Pre-Tax Deductions are subtracted from take-home pay (Total Pre-Tax Deductions, line 63) but never touch Taxable Income or Federal Income Tax at all — Health Insurance measures exactly zero effect on both across a ±10% probe. At the default settings, Filing Status and Your Annual Salary are essentially tied for the largest effect on Federal Income Tax, each worth about 40%: switching Filing Status between Single, Married Filing Jointly, Married Filing Separately, and Head of Household changes the standard deduction and bracket thresholds applied, while a ±10% move on salary shifts the whole taxable base — both far ahead of 401(k) Contribution (about 3%). That ranking isn't fixed, though — Spouse Annual Salary, Bonus Income, and Commission Income all default to $0 and so measure no effect from here, but any of them would swamp both Filing Status and Your Annual Salary once raised to a large value, since Federal Income Tax is applied to their combined total. A quirk worth knowing: the State selector defaults to index 5, which two comments inside the calculator's own code used to label "California," but the dropdown is actually built by sorting all 50 states alphabetically by name (line 42-43), and the 6th state alphabetically is Colorado, not California — the state tax figure shown at the default settings genuinely comes from Colorado's tax table. Several advanced fields — Spouse Annual Salary, Bonus Income, Commission Income, HSA Contribution, FSA Contribution, Other Pre-Tax Deductions, and Children Under 17 — all default to exactly $0, so probing a ±10% swing from that starting point is still $0 and can't demonstrate any of their effects; each one does move the results once you enter a real, non-zero amount. Number of Dependents is different: it defaults to $0 too, but unlike the fields above, raising it to a non-zero value still moves nothing in this calculator's reported results. The variable it feeds, suggestedAllowances (line 113), is computed but never included in this config's declared outputs array — so Number of Dependents is genuinely inert here, not merely zero-defaulted. This calculator does not account for itemized deductions, self-employment tax, additional withholding elections, or tax credits beyond the Child Tax Credit.