Individual Income Tax Calculator 2025 - Federal + State

Estimate 2025 federal income tax, state income tax, and optional employee payroll taxes (FICA) for W-2 wage income. Supports Single, MFJ, MFS, and HOH.

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Enter filing status, state, and wage income. Use Detailed mode if you want to adjust deductions or provide an effective state rate.

Data Used and Assumptions

Federal standards (Tax Year 2025)

Standard deduction defaults (TY 2025): Single/MFS $15,750; MFJ $31,500; HOH $23,625.
Federal bracket logic: progressive bracket (“layered”) calculation on taxable income.
Federal credits: simplified as a direct reduction after computed federal tax (planning use only).

State estimates

State method: none / flat / graduated-range estimate.
Accuracy option: if you know your effective state rate, enter it in Detailed mode.
Note: local/city taxes are not included.

This tool is intended for planning. It does not model every credit, phaseout, local tax, AMT, NIIT, multi-state allocations, or special income types.

How We Estimate Your 2025 Taxes (with sources)

Federal taxable income

By default, taxable income is estimated using the 2025 standard deduction (Single/MFS $15,750; MFJ $31,500; HOH $23,625) as published in IRS inflation adjustments. Source In Detailed mode, you can switch to itemized deductions or adjust pre-tax deductions (planning estimate).

Federal bracket tax

Federal income tax is computed using progressive (“layered”) brackets, meaning only income within each bracket is taxed at that bracket’s rate. Source For a consumer-friendly overview of bracket tables and examples, see Fidelity’s explanation. Fidelity

Payroll taxes (FICA), optional

If enabled, we estimate employee-side payroll taxes: Social Security (6.2% up to the annual wage base) and Medicare (1.45%), plus Additional Medicare above the filing-status threshold. The Social Security wage base is published by SSA as the “Contribution and Benefit Base.” SSA reference Additional Medicare thresholds are described in IRS guidance. IRS reference

State income tax estimate

State taxes vary by system and deductions. This tool uses a consistent “none/flat/graduated-range” approach and allows you to enter an effective state rate for better accuracy. State rate structures and brackets can be cross-checked against Tax Foundation’s state tables. Tax Foundation

Planning note: this calculator does not model every credit limitation, phaseout, AMT, NIIT, local/city tax, or specialized income type.

Sources (quick links)

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NexGen Taxes — Individual Income Tax Calculator 2025 (Federal + State). Estimate W-2 wage federal bracket tax, state income tax, and optional employee payroll taxes.

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FAQs

Does this include self-employment tax?

No. This calculator is intended for W-2 wages. Use a dedicated self-employment tax calculator for Schedule C / 1099 income.

How accurate is the state tax estimate?

State tax varies widely by rules and deductions. This tool uses a consistent “none/flat/graduated-range” estimate and lets you input an effective state rate for improved accuracy.

Does this include local or city tax?

No. Local taxes are not included in this estimate.

Does this include every credit and phaseout?

No. It provides a simplified approach for planning and does not model every credit limitation, phaseout, AMT, NIIT, or special case.

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Individual Income Tax Calculator 2025 - Federal + State

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