US Income Tax Calculator
Estimate US federal income tax, taxable income, marginal rate, effective rate, and take-home income.
US federal income tax inputs
Tax year 2025 · IRS brackets
Wages, salary, and similar income before deductions.
Brackets and standard deduction depend on filing status.
Official IRS year for which brackets apply.
Standard = $15,750.00 for Single.
Used only when "Custom deduction" is selected.
Self-employment, side income, taxable interest, etc.
Traditional 401(k), HSA, and similar pre-tax contributions.
Credits reduce tax directly. Cannot push tax below zero.
Federal income tax
$7,949.00
After credits · Tax year 2025
Take-home after federal tax
$67,051.00
Gross income minus estimated federal tax.
Taxable income
$59,250.00
After $15,750.00 standard deduction.
Effective tax rate
10.60%
Federal tax ÷ gross income.
Marginal tax rate
22.00%
Rate on your next dollar of taxable income.
Deduction used
$15,750.00
Standard for Single.
Tax credits applied
$0.00
Credits reduce tax dollar-for-dollar.
Tax before credits
$7,949.00
Sum of tax across all reached brackets.
Tax Bracket Breakdown
| Bracket rate | Income in bracket | Bracket range | Tax |
|---|---|---|---|
| 10.00% | $11,925.00 | $0.00 – $11,925.00 | $1,192.50 |
| 12.00% | $36,550.00 | $11,925.00 – $48,475.00 | $4,386.00 |
| 22.00% | $10,775.00 | $48,475.00 – $103,350.00 | $2,370.50 |
This calculator provides an estimate for educational purposes only and is not tax advice. Actual tax liability may vary based on deductions, credits, local rules, residency, benefits, and personal circumstances. Always verify with official tax authorities or a qualified tax professional.
Support
How to read your results
Progressive estimate
Only income that falls within each bracket is taxed at that bracket's rate. Your first dollars are always taxed at 10%.
Marginal vs effective
Marginal rate applies to your next dollar. Effective rate is your average across all income earned.
Federal only
Add state and local tax, FICA, and any other withholdings to estimate your full take-home pay.
Formula
How federal income tax is calculated
Adjusted income
Adjusted income = gross income + additional taxable income − pre-tax deductions.
Taxable income
Taxable income = adjusted income − standard deduction or custom deduction.
Final tax
Tax = progressive tax on taxable income, then minus credits, floored at $0. Take-home = gross − final tax.
FAQ
US income tax calculator questions
The IRS uses progressive tax brackets. Each portion of your taxable income is taxed at the rate of the bracket it falls into. Your total federal tax is the sum of tax owed in each bracket, then reduced by any nonrefundable credits.
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