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Estimate your federal income tax withholding per paycheck using 2025 brackets and standard deduction. Free, no sign-up required.
Federal income tax only. Excludes FICA (7.65%), state, and local taxes.
This tool estimates your federal income tax withholding using 2025 tax brackets and the standard deduction. It does not include FICA taxes (Social Security + Medicare), state income taxes, or tax credits.
The calculation: Taxable income = Wages �?Pre-tax deductions �?Standard deduction. Federal tax is then computed using progressive brackets and divided by your pay periods.
The U.S. uses a progressive tax system �?you only pay each rate on the income within that bracket, not on your entire income.
Your marginal rate is the rate applied to your last dollar of income �?the highest bracket you reach. Your effective rate is your total tax divided by total income �?always lower than your marginal rate because lower brackets apply to lower income slices.
It's the amount your employer deducts from each paycheck and sends to the IRS. It's an advance payment toward your annual tax liability. Too much withheld = refund; too little = you owe at tax time.
Single filers: 10% (up to $11,925), 12% (up to $48,475), 22% (up to $103,350), 24% (up to $197,300), 32% (up to $250,525), 35% (up to $626,350), 37% (above). MFJ brackets are roughly double.
$15,000 for single filers and $30,000 for married filing jointly. This is subtracted from gross income before applying tax brackets.
No. FICA (Social Security 6.2% + Medicare 1.45% = 7.65%) is separate and not included. State and local taxes are also excluded. Your actual take-home pay will be lower than shown.
Submit a new W-4 to your employer. You can increase withholding (to avoid owing) or decrease it (for more take-home pay). For the most accurate guidance, use the IRS Tax Withholding Estimator at irs.gov.
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Educational purposes only. Not tax advice. This tool uses simplified federal income tax calculations only. For official guidance, visit IRS Tax Withholding Estimator.
