2025 Tax Bracket Calculator
Enter your annual income and filing status to see which 2025 federal tax bracket you fall into, how much tax you owe, and what your effective tax rate is.
Tax Bracket Calculator
2025 federal income tax brackets
How 2025 Tax Brackets Work
Marginal Rates
The U.S. uses a progressive tax system. You only pay each rate on income within that bracket's range — not your entire income. Moving into a higher bracket only affects the money above that threshold.
Standard Deduction
For 2025, the standard deduction is $15,000 for single filers, $30,000 for married filing jointly, and $22,500 for head of household. This amount is subtracted from your income before tax is calculated.
Effective Rate vs Marginal Rate
Your marginal rate is your highest tax bracket. Your effective rate is the average you actually pay across all brackets. Most people's effective rate is significantly lower than their marginal rate.
2025 Federal Income Tax Brackets
Single Filers
| Rate | Taxable Income |
|---|---|
| 10% | $0 – $11,925 |
| 12% | $11,925 – $48,475 |
| 22% | $48,475 – $103,350 |
| 24% | $103,350 – $197,300 |
| 32% | $197,300 – $250,525 |
| 35% | $250,525 – $626,350 |
| 37% | $626,350+ |
Married Filing Jointly
| Rate | Taxable Income |
|---|---|
| 10% | $0 – $23,850 |
| 12% | $23,850 – $96,950 |
| 22% | $96,950 – $206,700 |
| 24% | $206,700 – $394,600 |
| 32% | $394,600 – $501,050 |
| 35% | $501,050 – $751,600 |
| 37% | $751,600+ |
Source: IRS Revenue Procedure 2024-40. These brackets apply to the 2025 tax year (returns filed in 2026).
Tax Bracket FAQ
Does my entire income get taxed at my highest bracket?
No. Only the portion of income that falls within each bracket is taxed at that rate. For example, if you're single and earn $60,000, only the last ~$11,525 is taxed at 22% — the rest is taxed at lower rates.
What's the difference between marginal and effective tax rate?
Your marginal tax rate is the rate on your last dollar earned (your highest bracket). Your effective tax rate is the average rate you actually pay across all brackets combined. Most people's effective rate is about half their marginal rate.
Are these the same as IRS brackets?
Yes. These brackets are directly from IRS Revenue Procedure 2024-40, which publishes the official 2025 inflation-adjusted tax brackets. For the official source, visit IRS.gov.