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Federal tax estimate calculator.

See roughly what you would owe in 2025 federal income tax—built around retirement income, including how much of your Social Security is taxable and the new $6,000 senior deduction for age 65 and older.

Filing status

Single Married filing jointly Head of household

Age 65 or older?

You are 65 or older

Which state do you live in?

Optional—adds a rough estimate of state income tax. Nine states have no state income tax at all.

Wages or self-employment income

Social Security benefits received

The full annual amount, before any Medicare premium withholding.

Pension, IRA, or 401(k) withdrawals

Other taxable income

Interest, dividends, rental, or capital gains.

Tax-exempt interest (optional)

Municipal bond interest. Not taxed directly, but it can affect how much of your Social Security is taxable.

This is an educational estimate only, using 2025 federal tax brackets and rules—it is not tax advice and is not an official calculation. It does not account for itemized deductions, tax credits, self-employment tax, or every situation. The optional state estimate is a further simplification—it uses each state's brackets for single filers as an approximation for every filing status, does not include state standard deductions or local/county taxes, and estimates Social Security state-taxability using a simplified income threshold rather than each state's full formula. Confirm your actual federal and state tax with a qualified preparer, your state's tax agency, or the IRS before making decisions.

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