Is this an exact tax figure?

It's a 2025 estimate using federal brackets, the standard deduction, and a flat state rate. It excludes credits, itemized deductions, AMT, and FICA.

What is the standard deduction?

A flat amount everyone can subtract from income before tax — $15,000 single / $30,000 married filing jointly for 2025 — unless itemizing saves more.

Income Tax Calculator

Estimate your US federal and state income tax and take-home pay (2025 brackets).

UPDATED · MAY 2026

Gross annual income

Filing status

State tax rate

effective; 0 for no-tax statesPre-tax deductions

401k / HSA, annual

Total income tax

$16,514

TAKE-HOME$78,486

EFFECTIVE17.4%

MARGINAL22%

Federal

$12,514

State

$4,000

Take-home

$78,486

How to use the Income Tax Calculator

01
Enter gross income. Your total annual income before deductions.
02
Pick a filing status. Single or married filing jointly applies the right brackets and standard deduction.
03
Add state rate and deductions. An effective state rate (0 for no-tax states) and any pre-tax deductions.

How is it calculated?

We subtract the 2025 standard deduction and any pre-tax deductions to get taxable income, then apply the progressive federal brackets — each slice of income is taxed at its own rate. State tax uses a flat effective rate. The result shows total tax, take-home pay, your effective rate (tax ÷ gross), and your marginal bracket.

Frequently asked

The questions readers ask most about the income tax calculator.

Your marginal rate is the bracket your last dollar falls in; your effective rate is total tax divided by total income, which is always lower because earlier brackets are taxed less.

LEARNHow income tax works: brackets, effective vs marginal

How to use the Income Tax Calculator

How is it calculated?

Frequently asked

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