2025 Key Tax Numbers for W-4 Completion
2025 federal tax brackets and key amounts by filing status
| Parameter | Single | Married Filing Jointly | Head of Household |
|---|---|---|---|
| Standard deduction | $15,000 | $30,000 | $22,500 |
| 10% bracket | $0–$11,925 | $0–$23,850 | $0–$17,000 |
| 12% bracket | $11,926–$48,475 | $23,851–$96,950 | $17,001–$64,850 |
| 22% bracket | $48,476–$103,350 | $96,951–$206,700 | $64,851–$103,350 |
| 24% bracket | $103,351–$197,300 | $206,701–$394,600 | $103,351–$197,300 |
| Child Tax Credit (per child <17) | $2,000 | $2,000 | $2,000 |
| Other Dependent Credit | $500 | $500 | $500 |
| CTC phase-out starts | $200,000 | $400,000 | $200,000 |
W-4 Step Reference
W-4 step completion guide
| W-4 Step | Complete If | What to Enter |
|---|---|---|
| Step 1 | Always | Name, SSN, filing status |
| Step 2 | Two+ jobs or working spouse | Check box, use IRS estimator, or use worksheet |
| Step 3 | You have qualifying dependents | $2,000 per child <17; $500 other dependents |
| Step 4a | Non-job income (investments, SE) | Expected annual other income |
| Step 4b | You will itemize deductions | Total itemized deductions minus standard deduction |
| Step 4c | Want extra withholding per period | Flat dollar amount per pay period |
| Step 5 | Always | Signature and date |
Calculate Your Optimal W-4 Settings
Use these 2025 numbers with the calculator to find your optimal withholding settings.