US · 2025 federal · FreeEstimate your federal refund or amount owed using standard deduction, 2025 brackets, withholding, and credits.
2025 federal · multi-step
Age 65+ adds $6,000 to the standard deduction in this model.
Estimated refund
$3,886
Effective tax rate
10.8%
After credits, as % of AGI
Marginal tax rate
22.0%
On your top dollar of taxable income
Estimates are for education only and do not constitute tax advice. Actual liability depends on your full return, credits, phase-outs, and IRS rules. Cashsembly is not affiliated with the IRS.
Enter your filing status, gross income, federal tax withheld from your W-2, and any credits. The calculator subtracts your standard deduction to find taxable income, applies 2025 IRS brackets, then compares your tax owed to what you already withheld.
For 2025, the standard deduction is $15,000 for single filers, $30,000 for married filing jointly, and $22,500 for head of household. Filers age 65+ receive an additional $6,000 deduction.
The IRS issues most e-filed refunds within 21 days. Paper returns can take 6–8 weeks.
No, this calculator estimates federal income tax only. State taxes vary and are not included.
The Child Tax Credit is $2,000 per qualifying child under age 17. It begins to phase out above $200,000 for single filers and $400,000 for married filing jointly.