US Income Tax Calculator 2025
See your take-home pay after federal tax — or estimate quarterly payments if self-employed.
How to Use This Calculator
Employee tab
Enter your annual income (gross salary before taxes) and filing status. The calculator instantly shows your take-home pay after federal income tax and FICA (Social Security + Medicare). If you contribute to a 401(k) or have other pre-tax deductions, expand "More options" to reduce your taxable income.
Self-Employed tab
Enter your annual revenue and business expenses. The calculator computes your self-employment tax (15.3% on 92.35% of net profit) plus federal income tax — and shows how much to set aside each quarter. The deductible half of SE tax is automatically factored in.
Filing status
- Single — unmarried, or legally separated
- Married Filing Jointly — married couples filing one return (usually the lowest tax)
- Head of Household — unmarried with a qualifying dependent you support
Share your result
Every input is encoded in the URL. Click Share, send the link — they'll see your exact numbers. No re-entering, no screenshots.
The Formula
The US federal income tax uses a progressive bracket system. You don't pay your marginal rate on all income — each bracket applies only to the income within that range.
Federal Tax = ∑ (Income in Each Bracket × Bracket Rate)
2025 Federal Tax Brackets — Single
Self-employment tax
SE Tax = (Base × 12.4% SS, up to $176,100) + (Base × 2.9% Medicare)
Half of SE Tax is deductible from gross income
Example
Sarah — evaluating a $95K job offer
Sarah received a job offer for $95,000. She's single with no 401(k) contributions. She wants to know her actual take-home pay.
Employee tab
Her tax is calculated across three brackets:
Sarah's marginal rate is 22%, but her effective rate is only 13.0% — because the first $48,475 of taxable income is taxed at lower rates.
Marcus — freelance developer
Marcus earns $120,000 in freelance revenue with $20,000 in business expenses. He's single.
Self-Employed tab
Marcus needs to set aside $6,506 each quarter. His effective rate is higher than Sarah's because self-employed workers pay both the employee and employer portions of FICA (15.3% vs 7.65%).