Income Tax Calculator See what your federal tax picture looks like.
Estimate your federal income tax for the year based on your wages, business income, deductions, and filing status. The calculator shows your taxable income, how it moves through each bracket, your marginal and effective rates, and what you keep after tax.
Your Income & Deductions
Results update as you type.
Estimated Federal Income Tax
Getting to Taxable Income
Tax Breakdown
Refund or Balance Due
Compares federal income tax (after credits) against the amount withheld.
What You Keep
2025 Federal Income Tax Brackets — Single
Federal income tax is progressive. Each bracket rate applies only to the income that falls inside that range, not to your whole income.
| Rate | Taxable income range | Your income in this bracket | Tax | |
|---|---|---|---|---|
| 10% | Up to $11,925 | $11,925 | $1,193 | Applies to you |
| 12% | $11,925 – $48,475 | $36,550 | $4,386 | Applies to you |
| 22% | $48,475 – $103,350 | $31,525 | $6,936 | Applies to you |
| 24% | $103,350 – $197,300 | — | — | |
| 32% | $197,300 – $250,525 | — | — | |
| 35% | $250,525 – $626,350 | — | — | |
| 37% | $626,350 and above | — | — |
What This Calculator Does and Doesn't Cover
An estimate, not tax advice
This calculator provides a simplified estimate for planning purposes only. It does not account for every provision that may apply to your situation, and it is not a substitute for professional guidance. Talk with Alumbra CPA about your specific facts.
- Your marginal rate is the rate on your next dollar of income. Your effective rate is the total tax divided by your income — almost always the lower number.
- Self-employment income carries both income tax and self-employment tax. Half of the self-employment tax is deducted in arriving at adjusted gross income.
- Social Security tax applies only up to the annual wage base. Medicare has no cap, and an additional 0.9% applies above higher income thresholds.
- Credits reduce tax directly, while deductions reduce the income that gets taxed. A credit is generally worth more per dollar than a deduction.
- Not included here: capital gains rates, the qualified business income deduction, alternative minimum tax, the Net Investment Income Tax, phase-outs, and credit eligibility rules.
- State tax is a flat estimate. Real state calculations have their own brackets, deductions, and rules that vary widely.
Understanding your tax position early gives you more options
Whether you are reviewing withholding, planning around a bonus, or deciding how much to contribute to a retirement account, we can help you see the tax impact before the year closes.