Complete guide to US federal and state taxes, best tax software, and top American accountants
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Understanding federal income tax, state taxes, and payroll deductions
The United States operates a progressive federal income tax system with rates ranging from 10% to 37% for 2025. Most Americans also pay state income taxes (rates vary by state), Social Security tax (6.2%), and Medicare tax (1.45%).
The US federal tax system uses seven tax brackets: 10%, 12%, 22%, 24%, 32%, 35%, and 37%. Your tax rate increases as your income rises through different brackets. For example, single filers pay 10% on income up to $11,000, then 12% on income between $11,001 and $44,725.
Nine states have no income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Other states have rates ranging from 1% to over 13% (California). Some states have flat rates while others use progressive systems.
All employed Americans pay Social Security tax (6.2% up to $160,200 income cap) and Medicare tax (1.45% with no cap). High earners pay an additional 0.9% Medicare tax on income over $200,000 (single) or $250,000 (married filing jointly).
For 2025, the standard deduction is $14,600 for single filers and $29,200 for married filing jointly. Most taxpayers choose the standard deduction rather than itemizing deductions.
Top-rated tax preparation apps and software for American taxpayers
America's #1 tax software with guided preparation and maximum refund guarantee.
Professional tax preparation with in-person and online options.
Affordable tax software with professional-grade features at competitive prices.
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Government-sponsored free filing for eligible taxpayers through IRS partnerships.
Affordable tax professionals and firms for American tax compliance and planning
Specialization: Individual taxpayers and middle-income families
Services: Personal tax returns, tax planning, small business support, year-round advice
Network of independent CPAs across all 50 states serving middle-class Americans. Competitive rates from $200-$800 for individual returns, with personalized service and local expertise.
Specialized expat tax firm exclusively serving US citizens living abroad.
Specialization: Working professionals and small business owners
Services: Individual tax preparation, quarterly planning, multi-state filing, audit support
Regional accounting practices serving local communities nationwide. Typical fees $250-$1,000 for comprehensive services, with face-to-face consultations and ongoing support.
Specialization: Middle-income families and accessible tax services
Services: Individual tax returns, EITC expertise, refund advances, year-round support
Nationwide tax preparation with over 2,000 locations. Competitive pricing from $150-$500 for individual returns, with affordable options and payment plans for all income levels.
Specialization: Digital tax services for busy professionals
Services: Online tax preparation, video consultations, document upload, mobile support
Modern online tax services targeting tech-savvy Americans. Fixed pricing from $180-$700 for individual returns, with digital platforms and remote consultations available.
The accountants and firms listed above are provided for informational purposes only. CountryTaxCalc does not endorse any specific service provider and is not affiliated with these firms.
Professional fees, services, and expertise may vary. We recommend consulting multiple providers and verifying their credentials with relevant professional bodies before making any decisions.
Always ensure your chosen tax professional is appropriately licensed and registered with the IRS as an Enrolled Agent, CPA, or Attorney authorized to practice before the IRS.
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