USCalcs

Income Tax Calculator 2025/2026

Based on Tax Year 2025 brackets (for returns filed in 2026). Last updated: June 2026.

See how much federal and state income tax you'll owe based on your filing status, deductions, and dependents. Uses 2025 IRS tax brackets and current state tax rates.

Your inputs

$

Your liability

Total tax
$10,149
After tax: $74,851
Federal tax
$10,149
Taxable: $69,250
State tax
$0
No state income tax
Effective rate
11.94%
Federal marginal
22.0%
Federal bracket breakdown
10.00%on $11,925$1,193
12.00%on $36,550$4,386
22.00%on $20,775$4,571

Choose your state for a state-specific result

Pre-fills the state and shows a tailored explanation.

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Frequently asked questions

Are these the 2025 or 2026 tax brackets?

The calculator uses tax year 2025 federal brackets — the figures you'll use to file in early 2026. The IRS adjusts brackets annually for inflation; we update when 2026 figures are released.

Should I take the standard deduction or itemize?

Take whichever is larger. The 2025 standard deduction (as boosted by the One Big Beautiful Bill Act, July 2025) is $15,750 (single), $31,500 (married filing jointly), or $23,625 (head of household). Itemize if your mortgage interest, state and local taxes (capped at $10,000), and charitable donations exceed that amount.

Does this include FICA?

No. The income tax calculator estimates federal and state income tax only. For full paycheck withholding including Social Security and Medicare, use the Salary Calculator.

What's the difference between tax liability and tax refund?

Tax liability is what you owe in total. Your refund (or balance due) is the difference between liability and what was already withheld from your paychecks throughout the year.