Best Tax Calculators for US Residents
Calculate federal income tax, state tax, and deductions. Tools for individual and business tax planning.
Introduction
The US federal tax system has seven marginal brackets, and most Americans also pay state income tax on top. With the standard deduction at $14,600 for single filers and $29,200 for married filing jointly in 2025, most taxpayers no longer itemize — but knowing which bracket your income falls into is still essential for planning bonuses, Roth conversions, and investment timing. These calculators cover the full picture.
Key Calculators
- Federal Income Tax Calculator — Calculates tax across all seven brackets from 10% to 37%, applying the standard deduction automatically: Try it →
- FICA / Payroll Tax Calculator — Social Security tax: 6.2% on wages up to $168,600 (2025 wage base). Medicare: 1.45% on all wages, plus 0.9% Additional Medicare Tax above $200,000: Try it →
- State Income Tax Calculator — State rates vary from 0% (Texas, Florida, Nevada) to 13.3% (California top rate). Select your state for an accurate combined figure: Try it →
- Self-Employment Tax Calculator — Self-employed pay 15.3% SE tax (both employee and employer portions of FICA) on net earnings: Try it →
US Federal Income Tax Brackets 2025 (Single Filer)
| Rate | Taxable Income (Single) | Taxable Income (MFJ) |
|---|---|---|
| 10% | $0 – $11,600 | $0 – $23,200 |
| 12% | $11,601 – $47,150 | $23,201 – $94,300 |
| 22% | $47,151 – $100,525 | $94,301 – $201,050 |
| 24% | $100,526 – $191,950 | $201,051 – $383,900 |
| 32% | $191,951 – $243,725 | $383,901 – $487,450 |
| 35% | $243,726 – $609,350 | $487,451 – $731,200 |
| 37% | Above $609,350 | Above $731,200 |
Tips for US Taxpayers
Remember that the US uses marginal rates — being in the 22% bracket doesn't mean you pay 22% on all income, only on income within that bracket. The effective tax rate for most middle-income Americans is significantly lower than their marginal rate. Maximize pre-tax 401(k) contributions to reduce your taxable income; every $1,000 contributed saves $220 in federal tax if you're in the 22% bracket, plus state income tax savings.