Federal Income Tax Calculator
Estimate your 2025 federal income tax bill, your taxable income after deductions, and the difference between your effective and marginal rate.
Your income
$
$
401(k), HSA, traditional IRA and similar above-the-line items.
Estimated federal tax
$12,514
Adjusted gross income$95,000
Deduction applied$15,000
Taxable income$80,000
Income after federal tax$82,486
Effective tax rate13.2%
Marginal tax bracket22%
How this works
Your marginal rate applies only to the last dollar you earn; your effective rate is what you actually pay across all your income. That gap is why a raise never costs you money overall.
This covers federal income tax only — Social Security, Medicare and state tax are separate. Use the paycheck calculator for the full picture.