US Income Tax Calculator (2025): Estimate Your Federal Taxes & Take-Home Pay

Understanding how much you owe in taxes is an important part of managing your finances. This US income tax calculator helps you estimate your federal income tax, FICA taxes, and take-home pay based on your income, filing status, and deductions.

The calculator is designed for US taxpayers and follows the current IRS tax structure for the 2025–2026 tax filing season. It provides fast, easy-to-understand estimates to help you plan your budget and understand where your money goes.

How the US Income Tax Calculator Works

The United States uses a progressive income tax system, which means different portions of your income are taxed at different rates. Higher income does not mean all of your income is taxed at a higher rate—only the portion that falls into higher tax brackets.

This calculator estimates your taxes by considering:

• Your annual household income
• Your filing status (Single, Married Filing Jointly, Head of Household)
• Standard or itemized deductions
• 401(k) and IRA retirement contributions
• Federal income tax brackets
• FICA taxes (Social Security and Medicare)

What Taxes Are Included?

Federal Income Tax

Federal income tax is calculated using IRS tax brackets. Each portion of your taxable income is taxed at the rate assigned to that bracket.

FICA Taxes

FICA taxes fund Social Security and Medicare programs and include:

• Social Security tax (6.2% up to the annual wage limit)
• Medicare tax (1.45% on all income)
• Additional Medicare tax (0.9% on higher incomes)

These taxes are withheld directly from your paycheck.

What This Calculator Does Not Include

To keep estimates fast and easy, this calculator currently does not include:

• State income taxes
• Local or city taxes
• Tax credits such as the Child Tax Credit
• Special deductions or exemptions

Actual tax results may vary depending on your personal financial situation.

Understanding Your Tax Results

After entering your information, you'll see a detailed breakdown of your estimated taxes, including:

• Marginal tax rate
• Effective tax rate
• Total federal income tax
• Total FICA taxes
• Income after taxes
• Estimated take-home pay

Why Use an Income Tax Calculator?

An income tax calculator helps you plan ahead, compare income scenarios, and understand how deductions and retirement contributions affect your take-home pay. It is especially useful for budgeting, job planning, and financial decision-making.

Frequently Asked Questions