I don't know how I managed to use a calculator that didn't include FICA, but for a single earner that barely changes the analysis. A single earner (again, with

I don't know how I managed to use a calculator that didn't include FICA, but for a single earner that barely changes the analysis. A single earner (again, with the unusual state of no deductions) has to make $690k to reach 40%. For a dual-high-income earner households I concede 40% effective isn't going to be uncommon.