Estimate your 2025 federal income tax from gross income and filing status — with your effective rate, marginal bracket, and after-tax income.
Estimates 2025 FEDERAL income tax only, using IRS brackets and standard deductions. Excludes Social Security/Medicare (FICA), state and local tax, credits (child tax credit, EITC), and phase-outs. Not tax advice — for planning only.
The US uses marginal brackets: only the income within each band is taxed at that band's rate, so a raise never lowers your take-home. Your income first drops by the standard deduction (or your itemized total), and the remainder is taxed bracket by bracket. Your effective rate — total tax ÷ income — is always lower than your top bracket.
Taxable income = gross − deduction; tax = sum of each bracket's slice
Because only your top dollars hit the top rate. A single filer at $75k is in the 22% bracket but pays an effective rate closer to 11–12% federally.
No — those FICA taxes (7.65% for employees) and any state tax are separate. This is the federal income-tax piece only.
Related: self-employment tax calculator · take-home pay calculator · capital gains tax calculator · all free calculators.
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It uses standard formulas and recalculates the moment you change a value, so the math is exact for the inputs you enter. Treat the result as a reliable planning estimate; for decisions with legal or tax consequences, confirm the figures with a qualified professional.
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Last reviewed: September 2026. Free to use, no signup — Income Tax Calculator by ToolWise Digital.
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