Tax Withholding Calculator 2025
Calculate federal and state tax withholding with the latest 2025 tax brackets. Estimate your payroll deductions, W-4 allowances, and take-home pay with accurate withholding calculations.
Tax Withholding Calculator
Enter your income and tax information to calculate withholding amounts
2025 Tax Brackets & Withholding Rates
Federal Tax Brackets 2025
| Tax Rate | Single | Married Filing Jointly | Head of Household |
|---|---|---|---|
| 10% | $0 - $11,600 | $0 - $23,200 | $0 - $16,550 |
| 12% | $11,601 - $47,150 | $23,201 - $94,300 | $16,551 - $63,100 |
| 22% | $47,151 - $100,525 | $94,301 - $201,050 | $63,101 - $100,500 |
| 24% | $100,526 - $191,625 | $201,051 - $383,250 | $100,501 - $191,650 |
| 32% | $191,626 - $243,725 | $383,251 - $487,450 | $191,651 - $243,700 |
| 35% | $243,726 - $609,350 | $487,451 - $731,200 | $243,701 - $609,350 |
| 37% | $609,351+ | $731,201+ | $609,351+ |
State Tax Information
No State Income Tax
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming
Flat Tax States
Colorado (4.4%), Illinois (4.95%), Indiana (3.23%), Kentucky (4.5%), Massachusetts (5.0%), Michigan (4.25%), North Carolina (4.75%), Pennsylvania (3.07%), Utah (4.85%)
Progressive Tax States
California, New York, New Jersey, Connecticut, Hawaii, Oregon, Minnesota, Iowa, Wisconsin, Vermont, Maine, and others with graduated tax brackets
W-4 Information 2025
Standard Deduction 2025
- Single: $14,600
- Married Filing Jointly: $29,200
- Married Filing Separately: $14,600
- Head of Household: $21,900
Additional Withholding
Use Step 4(c) on Form W-4 to request additional withholding per pay period to cover estimated tax shortfalls or ensure refund.
Multiple Jobs Worksheet
Complete if you have multiple jobs or your spouse works. Helps ensure accurate withholding across all income sources.
FICA Tax Rates 2025
Social Security Tax
- Rate: 6.2% (employee) + 6.2% (employer)
- Wage Base: $168,600 (2025)
- Maximum Tax: $10,453.20
Medicare Tax
- Rate: 1.45% (employee) + 1.45% (employer)
- No wage limit
- Additional 0.9% on income over $200,000
Total FICA
- Combined Rate: 7.65% (up to wage base)
- High Earners: 8.55% (over $200,000)
- Self-Employed: 15.3% total
Tax Withholding Examples (2025)
Single Filer
Annual Salary: $75,000
Filing Status: Single
State: California
W-4 Step 2: Not checked
Annual Withholding Breakdown
Married Filing Jointly
Combined Salary: $150,000
Filing Status: Married Filing Jointly
State: Texas (No State Tax)
Dependents: 2 children under 17
Annual Withholding Breakdown
High Earner
Annual Salary: $250,000
Filing Status: Single
State: New York
Additional Withholding: $500/month
Annual Withholding Breakdown
Head of Household
Annual Salary: $95,000
Filing Status: Head of Household
State: Florida (No State Tax)
Dependents: 1 child under 17
Annual Withholding Breakdown
Frequently Asked Questions About Tax Withholding
Use the IRS Tax Withholding Estimator or this calculator to check if your withholding matches your expected tax liability. You should aim to owe less than $1,000 or have withheld at least 90% of current year taxes or 100% of last year's taxes.
Update your W-4 when you get married/divorced, have a child, buy a home, change jobs, or experience significant income changes. Also review annually to ensure accurate withholding for the current tax year.
The 2020 W-4 eliminated allowances. Instead, you enter dollar amounts for dependents, other income, deductions, and extra withholding. This provides more accurate withholding calculations.
Yes, use Step 4(c) on Form W-4 to request additional withholding per pay period. This is helpful if you have other income, want to ensure a refund, or prefer not to make quarterly estimated payments.
Important Tax Withholding Information
Tax withholding is an estimate based on the information provided and current tax laws. Actual tax liability may differ due to various factors including deductions, credits, and changes in income. This calculator provides estimates for planning purposes and should not be considered tax advice. Consult a tax professional for personalized guidance. Update your W-4 form with your employer if your circumstances change significantly.