2025 Tax Bracket Calculator
Find your federal tax bracket, marginal rate, and effective rate using the 2025 IRS brackets and standard deduction.
Configure your scenario
Enter income and filing status to find your tax bracket.
Standard deduction applied: $15,750
$85,000
22%
11.94%
Detailed estimate
Bracket-by-bracket breakdown
| Income range | Rate | Taxed in band | Tax |
|---|---|---|---|
| $0 – $11,925 | 10% | $11,925 | $1,193 |
| $11,925 – $48,475 | 12% | $36,550 | $4,386 |
| $48,475 – $103,350 | 22% | $20,775 | $4,571 |
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Brackets — quick answers
What's the difference between marginal and effective rate?+
Marginal rate is the rate on your last dollar of taxable income. Effective rate is total tax divided by total income — almost always lower because lower brackets apply first.
Is this before or after the standard deduction?+
After. We subtract the 2025 standard deduction ($15,750 single / $31,500 joint / $23,625 HoH) before applying brackets.
Does this include state tax?+
No — federal only. Use the state pages under /us/state-tax for state estimates.
Does this include FICA?+
No — only federal income tax brackets. Use the Federal + FICA page for payroll-tax estimates.
Sources & Act Reference
Why these brackets
Rev. Proc. 2024-40
IRS annual inflation adjustments set the 2025 brackets and standard deduction values used here.
Progressive bracket method
Each band of taxable income is taxed at its own rate; we sum the bands to get total federal income tax.
Rule Trace
Applied rule and official references
Applied rule: 2025 IRS brackets and $15,750 standard deduction for single.
Official quick links
Compliance checklist
Confirm filing status, subtract standard or itemized deduction, then apply 2025 brackets band by band.
Smart Insight
Most filers pay an effective rate well below their marginal rate — only the top slice of income is taxed at the headline bracket.
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