qcalculator.net

Income Tax Calculator

Estimate your 2025 US federal income tax from your gross income and filing status, with the standard deduction applied. See your effective rate, marginal bracket and income after federal tax. This covers federal income tax only — not Social Security, Medicare or state tax.

Your income

2025 tax year, standard deduction applied. Federal income tax only — excludes Social Security, Medicare and state tax.

Federal income tax
$9,214

on taxable income

  • Effective tax rate
  • Marginal tax bracket
  • After federal tax
Advertisement

How it works

Federal tax is progressive: each slice of taxable income is taxed at its bracket's rate. First find taxable income:

Taxable income = gross − pre-tax deductions − standard deduction

Then apply the 2025 bracket rates (10%, 12%, 22%, 24%, 32%, 35%, 37%) to each portion that falls within each band. Your marginal rate is the bracket your last dollar lands in; your effective rate is total tax ÷ gross income.

Worked example

Single filer earning $80,000, 2025:

Frequently asked questions

Does this include Social Security, Medicare and state tax?
No. This estimates federal income tax only. FICA taxes (Social Security 6.2% and Medicare 1.45%) and any state or local income tax are separate and would reduce your take-home pay further.
What's the difference between marginal and effective tax rate?
Your marginal rate is the rate applied to your last dollar of income — your top bracket. Your effective rate is the total tax divided by your total income, which is lower because the early portions of your income are taxed at lower rates.
Should I use the standard deduction or itemize?
This calculator applies the standard deduction, which is the simplest choice and best for most filers. You'd itemize only if your deductible expenses (mortgage interest, state taxes, charitable gifts, etc.) add up to more than the standard deduction.

Related calculators