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
| Bracket | Rate | Income Taxed | Tax in Bracket |
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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 |
Calculate your exact take-home pay after federal tax, state tax, and FICA deductions — free with Mortix salary tax calculator for all 50 US states.
Enter your gross annual salary in USD. Include base salary only — bonuses and commissions can be added separately for an accurate full-year estimate.
Select your state from all 50 US states plus DC. States like Texas and Florida have no income tax, while California has rates up to 13.3%.
Enter your 401(k) contribution and pre-tax deductions to see their impact on take-home pay. Every $1 in 401(k) reduces your tax bill by your marginal rate.
See federal tax (with bracket breakdown), state tax, Social Security (6.2%), Medicare (1.45%), and net take-home pay monthly and annually.
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming have no state income tax. This calculator automatically applies $0 for those states.
FICA consists of Social Security (6.2% on wages up to $176,100) and Medicare (1.45% on all wages, plus 0.9% surtax above $200,000 for single filers).
At minimum, contribute enough to get your full employer match — that's a 50–100% instant return. The 2026 contribution limit is $23,500 ($31,000 if age 50+).