2025 Federal Income Tax Brackets
Find out your 2025 federal income tax bracket with user friendly IRS tax tables for married individuals filing joint returns, heads of households, unmarried individuals, married individuals filing separate returns, and estates and trusts.1
Married Individuals Filing Joint Returns, & Surviving Spouses
Taxable Income | 2025 Tax |
Not over $23,850 | 10% of taxable income |
Over $23,850 but not over $96,950 | $2,385 plus 12% of the excess over $23,850 |
Over $96,950 but not over $206,700 | $11,157 plus 22% of the excess over $96,950 |
Over $206,700 but not over $394,600 | $35,302 plus 24% of the excess over $206,700 |
Over $394,600 but not over $501,050 | $80,398 plus 32% of the excess over $394,600 |
Over $501,050 but not over $751,600 | $114,462 plus 35% of the excess over $501,050 |
Over $751,600 | $202,154.50 plus 37% of the excess over $751,600 |
Heads of Households
Taxable Income | 2025 Tax |
Not over $17,000 | 10% of the taxable income |
Over $17,000 but not over $64,850 | $1,700 plus 12% of the excess over $17,000 |
Over $64,850 but not over $103,350 | $7,442 plus 22% of the excess over $64,850 |
Over $103,350 but not over $197,300 | $15,912 plus 24% of the excess over $103,350 |
Over $197,300 but not over $250,500 | $38,460 plus 32% of the excess over $197,300 |
Over $250,500 but not over $626,350 | $55,484 plus 35% of the excess over $250,500 |
Over $626,350 | $187,031.50 plus 37% of the excess over $626,350 |
Unmarried Individuals (other than surviving spouses and heads of households)
Taxable Income | 2025 Tax |
Not over $11,925 | 10% of the taxable income |
Over $11,925 but not over $48,475 | $1,192.50 plus 12% of the excess over $11,925 |
Over $48,475 but not over $103,350 | $5,578.50 plus 22% of the excess over $48,475 |
Over $103,350 but not over $197,300 | $17,651 plus 24% of the excess over $103,350 |
Over $197,300 but not over $250,525 | $40,199 plus 32% of the excess over $197,300 |
Over $250,525 but not over $626,350 | $57,231 plus 35% of the excess over $250,525 |
Over $626,350 | $188,769.75 plus 37% of the excess over $626,350 |
Married Individuals Filing Separate Returns
Taxable Income | 2025 Tax |
Not over $11,925 | 10% of the taxable income |
Over $11,925 but not over $48,475 | $1,192.50 plus 12% of the excess over $11,925 |
Over $48,475 but not over $103,350 | $5,578.50 plus 22% of the excess over $48,475 |
Over $103,350 but not over $197,300 | $17,651 plus 24% of the excess over $103,350 |
Over $197,300 but not over $250,525 | $40,199 plus 32% of the excess over $197,300 |
Over $250,525 but not over $375,800 | $57,231 plus 35% of the excess over $250,525 |
Over $375,800 | $101,077.25 plus 37% of the excess over $375,800 |
Estates & Trusts
Taxable Income | 2025Tax |
Not over $3,150 | 10% of the taxable income |
Over $3,150 but not over $11,450 | $315 plus 24% of the excess over $3,150 |
Over $11,450 but not over $15,650 | $2,307 plus 35% of the excess over $11,450 |
Over $15,650 | $3,777 plus 37% of the excess over $15,650 |
Planning Tip
When looking at your federal income tax bracket, pay attention first to your last bracket. Why? That’s where you start to pocket cash when you find a new or additional tax deduction.
Example: You are married. You and your spouse have taxable income of $210,000. That puts the two of you in the 24 percent federal income tax bracket. If you can find $10,000 in new deductions, you pocket $2,400.
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1 Rev. Proc. 2024-40.
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