Income Tax Calculator
Optional — reduces income subject to federal tax.
Estimated Federal Income Tax
$10,149
2025 Federal Tax Brackets — Single
| Tax Rate | Income Range | Tax for This Bracket |
|---|---|---|
| 10% | $0 – $11,925 | $1,192.50 |
| 12% | $11,925 – $48,475 | $4,386.00 |
| 22% | $48,475 – $103,350 | $4,570.50 |
| 24% | $103,350 – $197,300 | $0.00 |
| 32% | $197,300 – $250,525 | $0.00 |
| 35% | $250,525 – $626,350 | $0.00 |
| 37% | $626,350 – and up | $0.00 |
Highlighted rows show the brackets that apply to a taxable income of $69,250.
Our income tax calculator gives you a fast, free estimate of your federal income tax for 2025 and 2026. Enter your gross income, choose your filing status, and pick the standard deduction or enter your own itemized total — the calculator instantly shows your taxable income, total tax owed, marginal and effective tax rates, and estimated take-home income.
What Counts as Income for This Calculator?
"Gross income" here means total income before any deductions — wages, salary, bonuses, self-employment income, and similar earnings. If you contribute to a traditional 401(k), HSA, or similar pre-tax account, enter that amount in the "Pre-Tax Deductions" field so the calculator can subtract it before applying the standard or itemized deduction, just as the IRS does.
Standard Deduction vs. Itemizing
Most taxpayers take the standard deduction — $15,750 for single filers and $31,500 for married couples filing jointly in 2025, rising to $16,100 and $32,200 in 2026. If your deductible expenses (mortgage interest, state and local taxes up to the SALT cap, charitable donations, certain medical expenses) add up to more than that, switch to "Itemized" and enter your total to see the impact.
From Gross Income to Tax Owed
The calculation flows in four steps: gross income minus pre-tax deductions gives adjusted income; minus your deduction (standard or itemized) gives taxable income; taxable income run through the progressive brackets gives your federal tax before credits; and gross income minus that tax gives your estimated after-tax (take-home) income. Each of these numbers updates live as you type.
Limitations to Keep in Mind
This tool estimates federal income tax only — it doesn't include state income tax, FICA (Social Security/Medicare), or tax credits like the Child Tax Credit or Earned Income Tax Credit, all of which can change your final bill. For a combined federal + state estimate in California, see our California tax calculator, and for paycheck-level withholding, try our paycheck calculator.