Free Tax Refund Estimator 2025 — Federal Tax Refund Calculator

Free Tax Refund Estimator — 2025

Estimate your federal tax refund or amount owed for the 2025 tax year. Updated for 2025 brackets, the new OBBBA standard deductions, and current IRS rules.

Income & filing details

Gross annual income ($)

Filing status

Federal tax withheld ($)

Dependents claimed

Deductions & credits

401(k) contributions ($)

IRA contributions ($)

Student loan interest ($)

Other tax credits ($)

Tax liability

—

total federal tax owed

Tax withheld

—

paid through paychecks

Effective tax rate

—

of gross income

Marginal tax rate

—

your top bracket

Full tax breakdown

Gross income—

401(k) deduction—

IRA deduction—

Student loan interest—

2025 standard deduction—

Taxable income—

Federal income tax—

Child tax credit—

Other credits—

Net tax liability—

Federal tax withheld—

Estimated refund —

This estimator uses 2025 federal income tax brackets and the updated standard deductions per the One Big Beautiful Bill Act (OBBBA): $15,750 single, $31,500 married filing jointly, $23,625 head of household. IRA contribution limit capped at $7,000. Student loan interest deduction capped at $2,500. Child tax credit is $2,000 per dependent (subject to phase-out at higher incomes). Results are estimates for informational purposes only and do not constitute tax advice. File your return using IRS Free File or consult a qualified tax professional.