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Free 2025-2026 Tax Calculators — Real IRS Brackets, All 50 States

✓ 2025 IRS Brackets ✓ All 50 States ✓ Capital Gains ✓ Self-Employment ✓ Bonus Tax ✓ 401k Optimizer
Federal Income Tax 2025
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Enter your income below
Capital Gains Tax Calculator
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Short-term vs Long-term tax difference
Self-Employment Tax (1099/Freelancer)
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SS (12.4%) + Medicare (2.9%) = 15.3% on net earnings
Bonus Tax Calculator
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How much of your bonus do you actually keep?
Tax Refund / Amount Owed Estimator
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Enter your info to estimate refund or balance due
Quarterly Estimated Tax (Freelancers)
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Pay by: Apr 15 / Jun 15 / Sep 15 / Jan 15
401k Tax Savings Optimizer
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How much tax do you save by contributing to 401k?
State Income Tax Calculator — All 50 States
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Select your state below
Effective Tax Rate Calculator
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Your effective rate vs marginal rate explained

Tax Calculator FAQs

What are the 2025 federal income tax brackets?
For single filers: 10% on $0–$11,925 | 12% on $11,925–$48,475 | 22% on $48,475–$103,350 | 24% on $103,350–$197,300 | 32% on $197,300–$250,525 | 35% on $250,525–$626,350 | 37% over $626,350. Standard deduction is $15,000 for single filers in 2025.
How much self-employment tax do I owe?
Self-employment tax is 15.3% (12.4% Social Security + 2.9% Medicare) on 92.35% of your net self-employment income. You can deduct half of SE tax from your income tax. Use our Self-Employment tab for exact amounts.
What is the difference between effective and marginal tax rate?
Marginal rate is the rate on your LAST dollar of income. Effective rate is total tax divided by total income. If you make $75,000 as a single filer, your marginal rate is 22% but your effective rate is only ~13% because lower brackets apply to your first dollars earned.
How is bonus income taxed?
Bonuses are taxed as "supplemental wages." Employers typically withhold 22% flat federal tax on bonuses up to $1 million. However your actual tax is based on your marginal bracket — if you're in the 24% bracket, you may owe a bit more at tax time.