Federal Income Tax Calculator (2025)
Estimate your 2025 federal income tax, effective rate and after-tax income by filing status.
Federal income tax only — does not include Social Security/Medicare (FICA) or state income tax. Use the Paycheck calculator for take-home pay.
2025 Federal Income Tax Brackets
The US uses progressive tax brackets — only the income within each band is taxed at that band's rate.
Single filers (2025)
| Taxable income | Rate |
|---|---|
| $0 – $11,925 | 10% |
| $11,925 – $48,475 | 12% |
| $48,475 – $103,350 | 22% |
| $103,350 – $197,300 | 24% |
| $197,300 – $250,525 | 32% |
| $250,525 – $626,350 | 35% |
| $626,350 and above | 37% |
Taxable income = gross income − deduction (standard or itemized). The calculator supports single, married filing jointly, married filing separately and head of household.
This is an estimate of federal income tax only and does not constitute tax advice. Credits, additional income types and other adjustments may change your actual tax — consult a tax professional.
Frequently Asked Questions
- Which tax year does this use?
- It uses the 2025 tax year brackets and standard deductions (the return you file in early 2026), per IRS inflation adjustments.
- Does this include Social Security, Medicare or state tax?
- No. This estimates federal income tax only. It excludes FICA (Social Security 6.2% + Medicare 1.45%) and state income tax. For full take-home pay, use the Paycheck calculator.
- What is the difference between effective and marginal rate?
- Your marginal rate is the rate on your last dollar of income (your top bracket). Your effective rate is total tax ÷ total income, which is lower because the US uses progressive brackets.
- What is the 2025 standard deduction?
- For 2025 it is $15,000 (single or married filing separately), $30,000 (married filing jointly) and $22,500 (head of household). Choose "Itemized" to enter your own deduction instead.
📅 Last updated: June 2026 · Formulas follow standard banking / tax conventions · Results are for reference only.