Income Tax Calculator 2025
Calculate your federal income tax for 2025. See your tax bracket, effective rate, and take-home pay. Select your state for complete tax calculations.
Standard: $15,000
Total Federal Tax
$13,852
Income tax + FICA
Federal Income Tax
$8,114
FICA (SS + Medicare)
$5,738
Effective Tax Rate
10.8%
Marginal Tax Bracket
22%
After-Tax Income
$61,149
$5,096/month
This is federal tax only. Select your state below for complete calculations.
Income Tax Calculator by State
Select your state for accurate calculations including state income taxes. States marked with * have no state income tax.
AL
Alabama
State income tax
AK
Alaska
No state tax
AZ
Arizona
State income tax
AR
Arkansas
State income tax
CA
California
State income tax
CO
Colorado
State income tax
CT
Connecticut
State income tax
DE
Delaware
State income tax
FL
Florida
No state tax
GA
Georgia
State income tax
HI
Hawaii
State income tax
ID
Idaho
State income tax
IL
Illinois
State income tax
IN
Indiana
State income tax
IA
Iowa
State income tax
KS
Kansas
State income tax
KY
Kentucky
State income tax
LA
Louisiana
State income tax
ME
Maine
State income tax
MD
Maryland
State income tax
MA
Massachusetts
State income tax
MI
Michigan
State income tax
MN
Minnesota
State income tax
MS
Mississippi
State income tax
MO
Missouri
State income tax
MT
Montana
State income tax
NE
Nebraska
State income tax
NV
Nevada
No state tax
NH
New Hampshire
No state tax
NJ
New Jersey
State income tax
NM
New Mexico
State income tax
NY
New York
State income tax
NC
North Carolina
State income tax
ND
North Dakota
State income tax
OH
Ohio
State income tax
OK
Oklahoma
State income tax
OR
Oregon
State income tax
PA
Pennsylvania
State income tax
RI
Rhode Island
State income tax
SC
South Carolina
State income tax
SD
South Dakota
No state tax
TN
Tennessee
No state tax
TX
Texas
No state tax
UT
Utah
State income tax
VT
Vermont
State income tax
VA
Virginia
State income tax
WA
Washington
No state tax
WV
West Virginia
State income tax
WI
Wisconsin
State income tax
WY
Wyoming
No state tax
2025 Federal Tax Brackets
Single Filer
| Taxable Income | Tax Rate |
|---|---|
| $0 - $11,925 | 10% |
| $11,925 - $48,475 | 12% |
| $48,475 - $103,350 | 22% |
| $103,350 - $197,300 | 24% |
| $197,300 - $250,525 | 32% |
| $250,525 - $626,350 | 35% |
| $626,350+ | 37% |
States with No Income Tax
These 9 states have no state income tax on wages, meaning you only pay federal taxes.
Frequently Asked Questions
Federal Plus State: How Combined Income Tax Works
Your total income tax liability is the sum of federal income tax (7 brackets from 10% to 37%) plus state income tax (varies by state). Federal tax is computed on taxable income -- your AGI minus the standard deduction ($15,700 single / $31,400 MFJ for 2026) or itemized deductions.
State income taxes add 0% to 13.3% on top of federal rates. The combined effective rate for a California resident earning $150,000 can exceed 30% (federal income tax + state tax), while a Texas resident at the same income pays only the federal portion around 18%.
State taxes paid (income, sales, and property) are deductible on your federal return if you itemize, but the SALT deduction cap of $10,000 ($5,000 MFS) limits the benefit. A New York resident paying $15,000 in state income tax and $8,000 in property tax ($23,000 total) can only deduct $10,000 federally, losing $13,000 in potential deductions.
States with No Income Tax and Flat Tax States
Nine states impose no state income tax on wages and salaries, meaning residents pay only federal taxes:
| No Income Tax States | Notes |
|---|---|
| Alaska, Florida, Nevada, South Dakota, Texas, Wyoming, Tennessee | No tax on any income |
| New Hampshire | No tax on wages; ended interest/dividend tax in 2025 |
| Washington | No income tax on wages; 7% capital gains tax on gains over $270,000 |
Several states use flat tax rates instead of progressive brackets: Colorado (4.4%), Illinois (4.95%), Indiana (3.05%), Kentucky (4.0%), Michigan (4.25%), North Carolina (4.5%), Pennsylvania (3.07%), and Utah (4.65%). Flat-tax states are simpler to compute -- your state tax equals income multiplied by a single rate.
The highest state income tax rates in 2026: California (13.3%), Hawaii (11.0%), New Jersey (10.75%), Oregon (9.9%), Minnesota (9.85%), and New York (10.9% including NYC tax). These high-rate states drive more taxpayers to itemize deductions and feel the SALT cap most acutely.
Tax Credits vs. Deductions: Understanding the Difference
Tax deductions reduce your taxable income. A $1,000 deduction saves you $1,000 multiplied by your marginal rate. At the 22% bracket, that $1,000 deduction saves $220. At the 37% bracket, it saves $370. Deductions are worth more to higher-income taxpayers.
Tax credits reduce your tax liability dollar-for-dollar. A $1,000 credit saves exactly $1,000 regardless of your bracket. Credits are therefore more valuable than deductions of equal size.
| Type | Example | Value at 22% Bracket | Value at 32% Bracket |
|---|---|---|---|
| Deduction | $10,000 mortgage interest | $2,200 tax savings | $3,200 tax savings |
| Nonrefundable credit | $2,000 Child Tax Credit | $2,000 (reduces tax to $0) | $2,000 (reduces tax to $0) |
| Refundable credit | $8,231 EITC (3 kids) | $8,231 (paid as refund) | $8,231 (paid as refund) |
Reciprocity agreements exist between some neighboring states (e.g., Virginia-DC, New Jersey-Pennsylvania) that prevent double state taxation for commuters. Under these agreements, you pay income tax only to your state of residence, not the state where you work.