Instantly calculate your federal & state taxes, net take-home pay, and get personalized AI tax-saving tips — completely free.
Fill in your salary details on the left and press "Calculate" to see your full tax breakdown and AI-powered saving tips.
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Personalized advice powered by Claude AI
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Everything you need to know about the US tax system, deductions, and strategies to legally minimize your tax burden in 2025.
The US uses a progressive tax system with 7 brackets (10%–37%). You pay each rate only on income within that bracket — not your entire salary. For 2025, the standard deduction is $15,000 (Single) and $30,000 (Married).
Texas and Florida have zero state income tax, making them popular for high earners. California tops the chart at up to 13.3%. New York is 6.85% plus local city tax. Illinois uses a flat 4.95% for all income levels.
Maximize your 401(k) ($23,000 in 2025), open an HSA for triple tax benefits, contribute to a Roth IRA for tax-free growth, claim all eligible deductions, and use tax-loss harvesting on investments.
| Rate | Single Filers | Married Filing Jointly | Head of Household |
|---|---|---|---|
| 10% | $0 – $11,925 | $0 – $23,850 | $0 – $17,000 |
| 12% | $11,926 – $48,475 | $23,851 – $96,950 | $17,001 – $64,850 |
| 22% | $48,476 – $103,350 | $96,951 – $206,700 | $64,851 – $103,350 |
| 24% | $103,351 – $197,300 | $206,701 – $394,600 | $103,351 – $197,300 |
| 32% | $197,301 – $250,525 | $394,601 – $501,050 | $197,301 – $250,500 |
| 35% | $250,526 – $626,350 | $501,051 – $751,600 | $250,501 – $626,350 |
| 37% | Over $626,350 | Over $751,600 | Over $626,350 |