🇺🇸 IRS 2025 Brackets
Tax Calculator USA 2025
See exactly how much federal income tax you owe in 2025. Bracket-by-bracket breakdown, effective rate vs marginal rate, and after-tax income — all in seconds.
Frequently Asked Questions
What is the difference between effective and marginal tax rate?
Your marginal rate is the rate applied to your last dollar of income — your highest bracket. Your effective rate is the actual percentage of your total income paid as tax. Most people pay an effective rate well below their marginal rate because lower income is taxed at lower rates first.
What are the 2025 IRS tax brackets?
For single filers in 2025: 10% up to $11,925 | 12% up to $48,475 | 22% up to $103,350 | 24% up to $197,300 | 32% up to $250,525 | 35% up to $626,350 | 37% above $626,350. Married filing jointly brackets are approximately double.
Should I take the standard deduction or itemize?
In 2025, the standard deduction is $15,000 for single filers and $30,000 for married filing jointly. Itemize only if your deductible expenses (mortgage interest, state taxes capped at $10K, charitable donations, etc.) exceed these amounts. Most people benefit from the standard deduction.
Does this calculator include state income tax?
This calculator covers federal income tax only. For total tax burden including state tax, use our Salary Calculator which includes all 50 state rates. Note: 9 states have no income tax — TX, FL, NV, WA, WY, SD, AK, NH, TN.
What pre-tax deductions reduce my taxable income?
Common pre-tax deductions include 401(k) contributions (up to $23,500 in 2025), HSA contributions ($4,300 single / $8,550 family), traditional IRA contributions, and employer health insurance premiums. These reduce your AGI and lower your tax bracket.