Federal Income Tax Calculator (2025) — Brackets & Effective Rate
Reviewed 2026-06-03 · FinCalc Hub Editorial
The U.S. uses progressive tax brackets, so your marginal rate is not your effective rate. Enter your income and filing status to see your estimated federal tax after the standard deduction.
Filing status
Federal income tax$10,314
Taxable income$70,000
Standard deduction$15,000
Effective rate12.1%
Marginal bracket22%
2025 federal brackets, standard deduction. Excludes state tax, FICA, and credits.
Frequently asked questions
- What's the difference between marginal and effective rate?
- Your marginal rate is the bracket your last dollar falls in. Your effective rate is total tax divided by total income — always lower.
- Does this include state taxes?
- No. This estimates federal income tax only. State taxes, FICA, and tax credits are separate.
- What standard deduction is used?
- 2025 amounts: $15,000 (single) and $30,000 (married filing jointly).