Free online US Federal Income Tax calculator (2025 brackets) based on IRS progressive tax rates. Supports Single/MFJ/HoH filing statuses and standard deduction. | No Signup · Data Never Leaves Your Device
Zero Dependencies · Works OfflineFree online US Federal Income Tax calculator (2025 brackets) based on IRS progressive tax rates. Supports Single/MFJ/HoH filing statuses and standard deduction.
Tax Estimation：Calculate your tax liability and effective rate ahead of time to know whether you'll owe money or get a refund, avoiding surprise bills at tax time.
Raise Evaluation：Calculate take-home impact of a raise — a $5,000 raise may net only $3,900 (22% bracket), helping you make informed compensation decisions.
Deduction Strategy：Compare standard deduction vs estimated itemized deductions (mortgage interest, charitable donations, etc.) to choose the more beneficial approach.
The 2025 IRS has seven progressive brackets: 10%, 12%, 22%, 24%, 32%, 35%, 37%. For Single filers: 10%($0-$11,925), 12%($11,925-$48,475), 22%($48,475-$103,350), 24%($103,350-$197,300), 32%($197,300-$250,525), 35%($250,525-$626,350), 37%(>$626,350). These are estimates — check IRS.gov for official numbers.
The Standard Deduction is a fixed dollar amount the IRS allows you to subtract from gross income without itemizing. 2025 estimates: Single $15,000, MFJ $30,000, HoH $22,500. Most taxpayers find the standard deduction more beneficial than itemizing. Check IRS.gov for official figures.
Progressive tax means different income portions are taxed at different rates. For example, $60,000 taxable income: first $11,925 at 10%, $11,925-$48,475 at 12%, remainder at 22%. Your effective tax rate is much lower than your top bracket rate.
Marginal rate is the tax rate on your last dollar (your top bracket). Effective rate is total tax divided by total income. Example: $80K income, marginal rate may be 22% but effective rate is typically 12-15%. Whether a raise is 'worth it' depends on marginal rate, not effective.
Single: unmarried, not claimable by others. Married Filing Jointly (MFJ): married filing together, usually most beneficial. Married Filing Separately (MFS): married filing separately, advantageous in some cases. Head of Household (HoH): unmarried with dependents, better rates than Single. This calculator supports the first three.