About the US Tax Calculator
What is the US Tax Calculator?
This US tax calculator estimates federal income tax for tax year 2025 (returns filed in 2026) using IRS brackets and the standard deduction as increased by the 2025 tax law: $15,750 for single filers, $31,500 for married couples filing jointly and $23,625 for heads of household.
Enter your filing status, wages, other income, pre-tax retirement contributions and itemized deductions. The result shows taxable income, federal tax, your marginal and effective rates, Social Security and Medicare (FICA), and take-home pay before state tax.
How to use the US Tax Calculator
- Filing Status (sample: Single)
- Wages & Salary (USD per year) (sample: 95,000)
- Other Ordinary Income (USD) (sample: 0)
- Pre-Tax 401(k) / Traditional IRA Contributions (USD) (sample: 6,000)
- Itemized Deductions (USD, 0 = use standard deduction) (sample: 0)
- Press Calculate US Tax (results also refresh as you type). The result card shows the Federal Income Tax (2025), along with Taxable income, Deduction used, Marginal tax rate and Effective federal rate.
Formula used
Federal tax = Σ (income in each bracket × bracket rate)
- Taxable income = wages + other income − pre-tax contributions − max(standard, itemized deduction)
- Brackets = 10%, 12%, 22%, 24%, 32%, 35%, 37%
- FICA = 6.2% Social Security up to $176,100 + 1.45% Medicare (+0.9% above $200,000 / $250,000 joint)
Credits (child tax credit, EITC), capital gains rates, AMT and state taxes are not included.
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Filing Status | Single |
| Wages & Salary (USD per year) | 95,000 |
| Other Ordinary Income (USD) | 0 |
| Pre-Tax 401(k) / Traditional IRA Contributions (USD) | 6,000 |
| Itemized Deductions (USD, 0 = use standard deduction) | 0 |
| Result | Value |
|---|---|
| Federal Income Tax (2025) | $11,029 |
| Taxable income | $73,250 |
| Deduction used | Standard $15,750 |
| Marginal tax rate | 22% |
| Effective federal rate | 11.61% |
| Social Security + Medicare (FICA) | $7,268 |
| Take-home before state tax | $70,704 |
Tips for using the US Tax Calculator
- Contributions to a traditional 401(k) or IRA reduce taxable income at your marginal rate.
- Itemize only if your deductions exceed the standard deduction.
- Nine states, including Texas and Florida, have no state income tax on wages.