I'm quite sure your calculator is very basic and stops at 401ks and little more, there's stuff like mortgage interest, being married with kids, backdoor roth, etc.
But yeah, wouldn't change the number you said dramatically, maybe it would lower it to 45%ish on a 2M income.
Taxes paid by your employer aren't taxes you pay.
I'm quite sure your calculator is very basic and stops at 401ks and little more, there's stuff like mortgage interest, being married with kids, backdoor roth, etc.
But yeah, wouldn't change the number you said dramatically, maybe it would lower it to 45%ish on a 2M income.