Looking for a us federal income tax calculator 2025 estimate? This free tool gives you 2025 federal brackets with standard deduction, effective rate and take-home. Just enter your numbers and press Calculate — results are instant.
US federal income tax is progressive: income is taxed in slices (brackets), and each slice is taxed at its own rate — only the income inside the top bracket is taxed at the top rate, not your whole income. First the standard deduction is subtracted from gross income to get taxable income, then each bracket slice is taxed and added up. This calculator uses the 2025 brackets and standard deductions; it is an estimate only, and does not include state tax, credits or other deductions.
Example: Annual gross income $85,000 · Filing status Single (US federal, 2025 brackets)
Estimated Federal Tax: $10,314.00
Your marginal rate is the rate on your next dollar of income — in the example, 22%. Your effective rate is the total tax divided by total income — 12.13% here. Most people pay a much lower effective rate than their marginal rate.
An amount the tax rules let you subtract from your income before any tax is worked out. For 2025 it is $15,000 for a single filer, $22,500 for head of household and $30,000 for married filing jointly in this calculator.
No. This is federal income tax only. State tax is separate, varies by state, and is not included here.
No — it is an estimate. Real tax depends on credits, other deductions, and income types that are taxed differently, and brackets change every year. Use it for planning, and check the official figures when you file.