Income Tax Calculator (US Federal & State, 2025)

Estimate your US income tax for 2025 — federal plus a flat state rate — using the standard deduction and any pre-tax deductions such as a traditional 401(k).

Your details

Annual gross income$Before deductions. The standard deduction is applied for you.Filing statusPre-tax deductions$Traditional 401(k), HSA, etc. — lowers income subject to tax.State tax rate%Flat state income-tax rate. Leave 0 for no-income-tax states.

Total income tax

$13,449.00

Federal income tax: $13,449.00
State income tax: $0.00
Effective tax rate: 13.45%
After-tax income: $86,551.00
Taxable income: $84,250.00

Federal, state & after-tax

Federal tax: $13,449.0013%
After-tax income: $86,551.0087%

Total income tax$13,449.00

Formula

Taxable income = gross − pre-tax deductions − standard deduction. Federal tax is applied progressively across the 2025 brackets; state tax is a flat rate on the same taxable base.

Frequently asked questions

How is state tax estimated?⌄

As a flat rate on your taxable income. This is accurate for flat-tax states and a close estimate for others; graduated state brackets aren't modelled.

What counts as a pre-tax deduction?⌄

Contributions to a traditional 401(k), 403(b), HSA, or FSA reduce the income subject to federal and state income tax. Roth contributions do not.

Sources & methodology

Based on 2025 US federal rules (standard deduction, brackets) plus a flat state rate and pre-tax deductions. Estimate only — excludes graduated state brackets, credits, and local taxes.

•IRS — federal income tax rates and brackets — IRS
•Tax Foundation — 2025 tax brackets — Tax Foundation

Last updated: 2026-07-20

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