Calculate your 2025 income tax, take-home pay, and effective tax rate. Get accurate estimates for federal and state taxes across all filing statuses with current tax brackets and deductions.
Your total salary before taxes
Simplified state tax calculation
Reduces your taxable income
This calculator uses current 2025 tax brackets and standard deductions for accurate estimates. However, actual taxes may vary based on specific circumstances, additional income sources, and tax law changes. Always consult a tax professional for complex situations.
Take the higher of the two. For 2025, standard deductions are quite high, so you'll need significant itemized deductions (mortgage interest, property taxes, charitable donations) to benefit from itemizing. The calculator automatically uses the better option.
Tax brackets are progressive - you only pay the higher rate on income above each threshold. For example, if you're in the 22% bracket, you don't pay 22% on all your income, just the portion above the 22% bracket threshold.
Effective tax rate is your total tax divided by total income - your average rate. Marginal tax rate is the rate you pay on your last dollar of income - important for tax planning decisions.
Key strategies include maximizing 401(k) contributions, contributing to HSAs, using tax-loss harvesting, timing income and deductions, and considering Roth conversions. Pre-tax retirement contributions are often the most effective way to reduce current taxes.