IRS Tax Brackets for 2025 – See 10%, 22%, 24%, 32%, 35%, and 37% Rates

As the new tax year approaches, understanding the IRS 2025 tax brackets is essential for planning your finances, estimating your tax liability, and optimizing deductions. The U.S. tax system is progressive, meaning the more you earn, the higher your tax rate on additional income—but not your entire income.

In this guide, we’ll explore the 2025 federal income tax brackets, the corresponding marginal tax rates, and how these apply to different filing statuses, including Single, Married Filing Jointly, and Head of Household. We’ll also cover what’s new this year and how to stay ahead with smart planning.

📊 2025 IRS Tax Brackets – Full Table

Here’s a complete breakdown of the 2025 tax brackets by filing status:

✅ Single Filers

Tax Rate	Taxable Income
10%	Up to $11,600
12%	$11,601 – $47,150
22%	$47,151 – $100,525
24%	$100,526 – $191,950
32%	$191,951 – $243,725
35%	$243,726 – $609,350
37%	Over $609,350

✅ Married Filing Jointly

Tax Rate	Taxable Income
10%	Up to $23,200
12%	$23,201 – $94,300
22%	$94,301 – $201,050
24%	$201,051 – $383,900
32%	$383,901 – $487,450
35%	$487,451 – $731,200
37%	Over $731,200

✅ Head of Household

Tax Rate	Taxable Income
10%	Up to $16,550
12%	$16,551 – $63,100
22%	$63,101 – $100,500
24%	$100,501 – $191,950
32%	$191,951 – $243,700
35%	$243,701 – $609,350
37%	Over $609,350

Note: These brackets apply to taxable income (gross income minus deductions and exemptions).

🧾 What’s New in the 2025 Tax Brackets?

1. Inflation Adjustment: All tax brackets have been adjusted upward to reflect inflation, reducing the chance of “bracket creep” (getting taxed more due to raises that barely outpace inflation).
2. Standard Deduction (Estimated):
   • Single: $14,000
   • Married Filing Jointly: $28,000
   • Head of Household: $20,800
3. No Change in Rates: The tax rates (10% to 37%) remain unchanged, but the income thresholds have shifted.

💰 How Federal Income Tax Works

It’s important to remember that the U.S. has a marginal tax system. You don’t pay one flat rate on all your income. Instead, each portion of your income falls into a specific bracket. For example:

• If you earn $60,000 as a single filer, you pay:
  • 10% on the first $11,600
  • 12% on the amount from $11,601 to $47,150
  • 22% on the amount from $47,151 to $60,000

This method keeps your effective tax rate lower than your top marginal rate.

📈 Tax Planning Tips for 2025

• Use tax-advantaged accounts (IRA, 401(k), HSA) to lower your taxable income.
• Claim all eligible credits, such as the Child Tax Credit or the Earned Income Tax Credit.
• If you’re near the threshold of a higher tax bracket, consider deferring income or accelerating deductions.

🧠 Conclusion

Understanding the 2025 IRS tax brackets is key to financial planning and maximizing your refund—or minimizing your liability. With smart use of deductions, credits, and tax-deferred investments, you can ensure you’re paying only what you owe.

Remember, taxes aren’t just about numbers—they’re about strategy. Whether you’re filing as single, married, or head of household, use this guide to stay informed, prepared, and financially savvy.

❓ FAQs About IRS 2025 Tax Brackets