Tax Calculator
Estimate your federal income tax, FICA taxes, and take-home pay. Updated with 2025 tax brackets.
Using top marginal rate of 13.3%. Actual rate may vary based on income level.
📖 How to Use
Enter your annual gross income, select your filing status, and choose standard or itemized deductions. Adjust the state income tax rate for your state (0% for states like Texas, Florida, Washington). The calculator shows your federal tax by bracket, FICA taxes, and total take-home pay.
2025 Federal Tax Brackets
These are the federal income tax brackets for the 2025 tax year (filed in 2026). Source: IRS / TurboTax.
| Rate | Single | Married Filing Jointly | Married Filing Separately | Head of Household |
|---|---|---|---|---|
| 10% | $0 – $11,925 | $0 – $23,850 | $0 – $11,925 | $0 – $17,000 |
| 12% | $11,926 – $48,475 | $23,851 – $96,950 | $11,926 – $48,475 | $17,001 – $64,850 |
| 22% | $48,476 – $103,350 | $96,951 – $206,700 | $48,476 – $103,350 | $64,851 – $103,350 |
| 24% | $103,351 – $197,300 | $206,701 – $394,600 | $103,351 – $197,300 | $103,351 – $197,300 |
| 32% | $197,301 – $250,525 | $394,601 – $501,050 | $197,301 – $250,525 | $197,301 – $250,500 |
| 35% | $250,526 – $626,350 | $501,051 – $751,600 | $250,526 – $375,800 | $250,501 – $626,350 |
| 37% | Over $626,350 | Over $751,600 | Over $375,800 | Over $626,350 |
Understanding US Taxes
Progressive Tax Brackets
The US uses a progressive system — only income within each bracket is taxed at that rate. Your "marginal rate" is the highest bracket you reach.
FICA Taxes
Social Security (6.2%, capped at $176,100) and Medicare (1.45%, no cap) are separate from income tax and fund retirement/healthcare programs.
Standard vs Itemized
Most filers benefit from the standard deduction ($15,750 single / $31,500 joint). Itemize if your deductions (mortgage interest, state taxes, charity) exceed that.
State Taxes
State income tax varies from 0% (TX, FL, WA, NV, WY, SD, AK, NH, TN) to over 13% (California top rate). Enter your state's rate for accuracy.
Frequently Asked Questions
What is my effective tax rate?
Your effective rate is the total tax paid divided by your gross income. It's always lower than your marginal rate because of progressive brackets.
Does this include self-employment tax?
This calculator assumes W-2 employment. Self-employed individuals pay both employer and employee portions of FICA (15.3% total). Adjust accordingly.
How can I reduce my tax bill?
Max out 401(k) contributions ($23,500 for 2025), contribute to an HSA, use tax-loss harvesting, and ensure you're claiming all eligible credits and deductions.