Income Tax Calculator
Estimate your federal and state income tax for 2025 — enter your gross salary, filing status and state to see your income tax, effective rate and take-home pay.
Estimate for the 2025 tax year, for general information only — not tax advice. It applies federal income tax and state income tax on the standard deduction, plus Social Security and Medicare. It does not account for local/city taxes, tax credits, additional exemptions, pre-tax deductions or special circumstances, so your actual tax will differ. State figures are simplified and married-filing-jointly is approximated. Verify with the IRS and your state tax authority or a tax professional.
How income tax is calculated
Your income tax has two layers. Federal income tax is the same in every state: your gross pay minus the standard deduction is your taxable income, and the 2025 brackets apply rates from 10% up to 37% as income rises. On top of that, most states add their own state income tax. This calculator estimates both from your salary, filing status and state, and shows the combined total and your effective rate.
State income tax varies a lot
Nine states — including Florida, Texas and Washington — have no income tax on wages, so residents pay only federal. Others charge a single flat rate, and the rest use progressive brackets that climb with income. Choose your state above, or jump to a state page below to see the rate applied.
What it does not include
To keep it simple the estimate uses the standard deduction and excludes tax credits, itemized deductions, local city taxes and pre-tax deductions like 401(k) — all of which change a real tax bill. Treat the number as a solid estimate for planning, not as a filed return.
Income tax calculator by state
Estimate state income tax for any state:
Frequently asked questions
How do I calculate my income tax?
Start with your gross income and subtract the standard deduction to get taxable income, then apply the federal tax brackets (10%–37% for 2025). If your state has an income tax, add that on top using your state’s rates. This calculator does both steps from your salary, filing status and state, and shows your combined income tax and effective rate.
What is the difference between federal and state income tax?
Federal income tax is the same nationwide and funds the federal government, with 2025 rates from 10% to 37%. State income tax is set by each state — nine states levy none, some use a flat rate, and others are progressive. You generally pay both, which is why your state matters for your overall tax.
How much federal income tax will I pay on $65,000?
For a single filer in 2025, $65,000 gross minus the $15,000 standard deduction leaves $50,000 taxable, which works out to roughly $5,900 in federal income tax — an effective federal rate near 9%. State income tax, if any, is on top of that.
Which states have no income tax?
Nine states do not tax wage income: Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington and Wyoming, plus New Hampshire (which taxes only certain interest and dividends). In those states you only pay federal income tax.
Is this the same as my tax return?
No — it is a quick estimate, not a filed return. It uses the standard deduction and does not include credits, itemized deductions, additional income types, or local taxes. Use it to estimate and compare; rely on tax software or a professional for your actual return.