Income Tax Calculator (2025)

Your federal income tax depends on your taxable income (gross income minus deductions) and filing status. The US uses progressive brackets from 10% up to 37% — only the income that falls within each bracket is taxed at that rate. Enter your income above to see the exact 2025 estimate.

Your marginal rate is the rate applied to your last dollar of income — the top bracket you reach. Your effective rate is your total tax divided by your total income, which is always lower because your first dollars are taxed at lower rates. For example, being 'in the 22% bracket' rarely means you pay 22% of all your income.

For the 2025 tax year the standard deduction is $15,000 for single filers, $30,000 for married filing jointly, and $22,500 for head of household. Most taxpayers take the standard deduction rather than itemizing.

Take whichever is larger. Itemizing only helps if your deductible expenses — state and local taxes (capped at $10,000), mortgage interest, charitable gifts, and large medical costs — add up to more than the standard deduction for your filing status.

No. This estimates only federal income tax. Social Security (6.2%) and Medicare (1.45%) payroll taxes are separate — use our paycheck/take-home pay calculator to see those plus state tax.

It's a planning estimate using 2025 brackets and the standard or itemized deduction. It does not model tax credits (like the Child Tax Credit or EITC), the QBI deduction, AMT, or state taxes, all of which can change your actual bill. It is not tax advice.