Federal Income Tax Calculator
Estimate 2025 federal income tax from IRS ordinary brackets and the standard deduction — see your marginal bracket, effective rate, and dollar-by-dollar bracket math.
Estimated federal income tax
$10,314
Taxable income
$70,000
Marginal rate
22%
Effective on ordinary
12.1%
Deduction used
$15,000
Bracket breakdown (ordinary rates)
| Rate | Taxable in slice | Tax |
|---|---|---|
| 10% | $11,925 | $1,193 |
| 12% | $36,550 | $4,386 |
| 22% | $21,525 | $4,736 |
How this federal tax calculator works
We start with your annual wages plus any other ordinary income (bank interest, short-term capital gains, taxable side income). We subtract either the 2025 standard deduction for your filing status or a custom deduction total you provide (for itemizers). The remaining amount is taxable income, which is run through the official progressive federal brackets (10% through 37%).
What is not included
FICA payroll taxes, Additional Medicare Tax, the Net Investment Income Tax, Alternative Minimum Tax, state and local income tax, and refundable/nonrefundable credits are not modeled. For a full paycheck including FICA, use a state paycheck calculator.
Frequently Asked Questions
What tax year does this calculator use?+
Why is my result different from TurboTax or my W-2?+
What is the difference between marginal and effective tax rate?+
Does this include self-employment tax?+
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