Plan your finances with clarity using our 2025 US Income Tax Calculator. This free tool helps salaried and self-employed individuals calculate their estimated federal tax liability based on the latest IRS tax brackets and standard deductions.

Whether you’re a W-2 employee contributing to a 401(k) or a freelancer managing business expenses, this tax calculator adapts dynamically to your employment type and filing status. We account for standard deductions, pre-tax retirement and health savings contributions, and other deductions you may be eligible for.

If you’re self-employed, the calculator goes a step further by factoring in:

1. Business expenses to reduce your taxable income,
2. The Self-Employment (SE) Tax (15.3%) that covers Social Security and Medicare,
3. And the Qualified Business Income (QBI) Deduction, which lets you deduct up to 20% of your net income.

🔍 How we calculate your estimated federal tax:

1. We start with your gross income.
2. Then subtract:
   • The standard deduction based on your filing status (Single: $15,000, Married Filing Jointly: $30,000, Head of Household: $22,500),
   • Plus any additional deductions you enter (e.g., 401(k), HSA, business expenses).
3. This gives your taxable income.
4. We apply the progressive federal tax brackets for 2025 to this amount to calculate your federal tax owed.
5. If you’re self-employed, Self-Employment Tax and QBI deduction are also calculated and applied.
6. We finally show your effective tax rate and estimated net income after tax.

This tool is especially useful if you don’t maintain detailed bookkeeping or if you want a quick, reliable tax snapshot without using complicated software.