Income Tax Calculator
Estimate your US federal tax bill using official 2025 brackets and standard deductions. The result includes FICA payroll taxes (Social Security up to the wage base, plus Medicare) for a complete picture.
Estimated net annual income
$64,595.65
- Federal income tax
- $9,192.00
- Social Security (6.2%)
- $4,953.80
- Medicare (1.45%+)
- $1,158.55
- Effective total tax rate
- 24.01%
2025 rules. Excludes state/local taxes, credits, and itemized deductions beyond standard.
How the Income Tax Calculator works
The calculation follows the standard method used across the US — no shortcuts, no hidden assumptions. Here is exactly what happens behind the scenes:
Formula
Taxable = Gross − 401k − Standard deduction → progressive brackets
Frequently Asked Questions
Which tax year does this model?
IRS 2025 brackets and standard deductions ($15,000 single / $30,000 married joint). State income taxes are not included — check your state revenue site.
Marginal vs effective rate — what's the difference?
Your marginal rate applies only to your last dollar earned; the effective rate is total tax divided by total income. Moving into a higher bracket never taxes all your income at that bracket.
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