Quick estimate of your 2025 U.S. federal income tax. Choose filing status, enter income and adjustments, pick standard or itemized deduction, and get a clean bracket-by-bracket breakdown with marginal and effective rates.
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This page estimates your 2025 U.S. federal income tax on ordinary income using the official brackets and the standard or itemized deduction you choose. It gives you three helpful angles on your number: a per-bracket breakdown (where each dollar is taxed), your marginal rate (what the next dollar would be taxed at), and your effective rate (tax divided by taxable income). Everything runs entirely in your browser. No logins, no data storage—just a clean way to ballpark your tax for planning or comparison.
Use this when you’re deciding between standard vs. itemized, forecasting the impact of a raise or bonus, or checking how much headroom you have before the next bracket. If you also have long-term capital gains or qualified dividends, plug those into the Capital Gains & Qualified Dividends Calculator—those items stack on top of ordinary income and may qualify for 0%/15%/20% rates.
Does this include long-term capital gains and qualified dividends? Not here. They use separate preferential rates. Use our Capital Gains calculator and combine insights.
Why is my “marginal rate” higher than my effective rate? Because only the top slice of your income is taxed at that top bracket; earlier dollars were taxed at lower brackets.
What about credits and phaseouts? This tool treats credits as a single line and doesn’t model every phaseout. It’s a planner, not a full return.
What should I do with the CSV? Save a snapshot, compare scenarios, or hand it to a spreadsheet for deeper planning.
You can also estimate paychecks, check self-employment tax, and plan investments with the capital gains tool.