2025 Federal Tax Brackets: What You Need to Know
Complete guide to 2025 federal tax brackets, including rates for single and married filers, standard deductions, and tax planning tips.
2025 Federal Tax Brackets Overview
The IRS has updated the federal tax brackets for 2025, with adjustments for inflation. Understanding these brackets is essential for accurate tax planning and financial decision-making.
2025 Tax Brackets for Single Filers
For single taxpayers, the 2025 federal income tax brackets are:
- 10%: Up to $11,925
- 12%: $11,925 to $48,475
- 22%: $48,475 to $103,350
- 24%: $103,350 to $197,300
- 32%: $197,300 to $250,525
- 35%: $250,525 to $626,350
- 37%: Over $626,350
2025 Tax Brackets for Married Filing Jointly
For married couples filing jointly, the brackets are:
- 10%: Up to $23,850
- 12%: $23,850 to $96,950
- 22%: $96,950 to $206,700
- 24%: $206,700 to $394,600
- 32%: $394,600 to $501,050
- 35%: $501,050 to $751,600
- 37%: Over $751,600
Standard Deductions for 2025
The standard deduction amounts have also increased:
- Single: $15,000
- Married Filing Jointly: $30,000
- Head of Household: $22,500
How Tax Brackets Work
It's important to understand that the U.S. uses a progressive tax system. This means:
- You don't pay the same tax rate on all your income
- Different portions of your income are taxed at different rates
- Only income within each bracket is taxed at that bracket's rate
Example Calculation
If you're single and earn $60,000 in 2025:
- First $11,925 is taxed at 10% = $1,192.50
- Next $36,550 ($48,475 - $11,925) is taxed at 12% = $4,386
- Next $11,525 ($60,000 - $48,475) is taxed at 22% = $2,535.50
- Total tax before deductions: $8,114
Key Changes from 2024
The 2025 brackets reflect inflation adjustments, with most brackets increasing by approximately 5-6% compared to 2024. This helps prevent "bracket creep" where inflation pushes taxpayers into higher tax brackets without real income increases.
Planning Tips
- Know Your Marginal Rate: This is the rate on your last dollar of income
- Understand Your Effective Rate: This is your total tax divided by total income
- Consider Tax-Loss Harvesting: Offset gains with losses
- Maximize Deductions: Take advantage of all available deductions and credits
Use our Tax Brackets page to see all federal and state brackets, or try our Federal Tax Calculator to estimate your tax liability.