US Federal Income Tax Estimator
Quick estimate of US federal income tax using 2025 brackets. For planning only — does not include AMT, credits, or state tax.
Inputs
Federal income tax (estimate)
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Taxable income
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Marginal tax rate
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Effective tax rate
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After-tax income
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About US Federal Income Tax Estimator
What this excludes
State and local income tax, FICA (Social Security & Medicare ~7.65%), AMT, credits (child tax credit, EITC), pre-tax retirement contributions. Real liability often differs by 5-20%.
Marginal vs effective
Marginal rate applies to your next dollar of income. Effective rate is total tax divided by total income — always lower than marginal because of the progressive brackets.
Standard vs itemized
For 2025, standard is $15,000 single / $30,000 MFJ. Itemize only if SALT + mortgage interest + charity exceed that. The 2017 TCJA made standard the right choice for most filers.