Federal Income Tax Calculator

For 2025 the seven brackets for single filers are 10% (up to $11,925), 12% ($11,925-$48,475), 22% ($48,475-$103,350), 24% ($103,350-$197,300), 32% ($197,300-$250,525), 35% ($250,525-$626,350), and 37% (above $626,350). Married filing jointly thresholds are roughly double.

Your marginal rate is the percentage applied to the last dollar of income. Your effective rate is the total tax divided by total income, and it is always lower than your marginal rate because earlier portions of income are taxed at lower brackets.

Take whichever is larger. For 2025, the standard deduction is $15,000 (single), $30,000 (married joint), or $22,500 (head of household). If your mortgage interest, state taxes, and charitable contributions exceed that, itemizing saves more.

No. This calculator estimates federal income tax only. Use the State Tax Estimate calculator for state taxes and the Salary After Tax calculator for a combined picture including FICA.