Calculate federal tax withholding per paycheck. Estimate your annual refund or amount owed. See how W-4 changes affect your take-home pay. Updated with 2025 federal tax brackets, standard deductions, and contribution limits.
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| Tax Rate | Single Filer | Married Filing Jointly |
|---|---|---|
| 10% | $0 – $11,925 | $0 – $23,850 |
| 12% | $11,926 – $48,475 | $23,851 – $96,950 |
| 22% | $48,476 – $103,350 | $96,951 – $206,700 |
| 24% | $103,351 – $197,300 | $206,701 – $394,600 |
| 32% | $197,301 – $250,525 | $394,601 – $501,050 |
| 35% | $250,526 – $626,350 | $501,051 – $751,600 |
| 37% | Over $626,350 | Over $751,600 |
This tax withholding calculator uses the latest 2025 federal tax brackets, standard deduction of $15,000 (single) / $30,000 (married filing jointly), and updated contribution limits. The Social Security wage cap for 2025 is $176,100, and the 401(k) contribution limit is $23,500.
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This calculator uses simplified 2024 federal tax brackets and standard deductions. It does not account for state/local taxes, tax credits, itemized deductions, self-employment tax, or other adjustments that may affect your actual tax liability.
This is not tax advice. Tax situations are complex and individual. Consult a qualified tax professional or CPA for personalized guidance. Use the IRS Tax Withholding Estimator at irs.gov for official calculations.
Social Security wage base: $168,600 (2024). Additional Medicare tax of 0.9% applies above $200,000 (single) or $250,000 (married filing jointly).