Income Tax Calculator

Marginal rate is the rate on your last dollar of income (your tax bracket). Effective rate is total taxes paid divided by total income. Example: $75k income (single) pays ~$10,000 in taxes. Marginal rate = 22%, but effective rate = ~13.3%. The US uses a progressive system — lower income is taxed at lower rates first.

$15,000 for single filers, $30,000 for married filing jointly, $22,500 for head of household. If your itemized deductions (mortgage interest, state taxes, charity, medical) exceed these amounts, itemize. Otherwise, take the standard deduction — about 90% of taxpayers do.

10% on income up to $11,600; 12% on $11,600-$47,150; 22% on $47,150-$100,525; 24% on $100,525-$191,950; 32% on $191,950-$243,725; 35% on $243,725-$609,350; 37% above $609,350. Note: these brackets are indexed for inflation annually.

Maximize 401(k) contributions (up to $23,500 in 2025, pre-tax reduces taxable income). Contribute to HSA ($4,300 single, $8,550 family). Harvest tax losses in investment accounts. Bunch charitable deductions into alternating years to itemize. Use FSA for healthcare and dependent care. Business owners have additional options.

No — this calculator estimates federal income tax only. State income taxes vary: from 0% (TX, FL, WA, NV, WY, SD, AK) to over 13% (CA). Add your state income tax to get your total tax burden. Most people also pay 7.65% in FICA taxes (Social Security + Medicare) on earned income.