For the 2025 tax-filing season, the standard deduction and federal tax brackets have been updated — thanks to inflation adjustments and changes under the One Big Beautiful Bill Act (OBBB). Single filers can deduct $15,750, heads of household $23,625, and married couples filing jointly $31,500 (see full table below). Standard deduction remains one of the most powerful ways to lower taxable income. Meanwhile, federal tax brackets continue to apply across seven marginal rates (10%–37%). Want help estimating your tax or evaluating whether to itemize? Use tools like Hive Tax AI to research and model your 2025 tax filing.
2025 Standard Deduction: Updated Amounts
Thanks to inflation indexing and the OBBB, the 2025 standard deduction amounts (for federal income tax) are:
| Filing Status | 2025 Standard Deduction |
| Single | $15,750 |
| Married Filing Separately (each) | $15,750 |
| Head of Household | $23,625 |
| Married Filing Jointly / Qualifying Widow(er) | $31,500 |
Additional Deductions for Seniors / the Blind
- If you’re 65 or older, or blind, there’s an additional standard deduction: $2,000 for single/head-of-household filers; $1,600 per spouse if married.
- Under OBBB, a temporary bonus deduction of $6,000 applies per eligible older adult (through 2028), even if itemizing.
Example: A married couple both over 65 could potentially deduct more than just the base $31,500 — boosting tax savings significantly.
2025 Federal Tax Brackets and Rates
The federal individual income tax system for 2025 remains progressive, with seven marginal tax rates.
Here’s a simplified breakdown (for single filers as an example):
| Marginal Rate | Taxable Income Range (Single) |
| 10% | $0 – $11,925 |
| 12% | $11,926 – $48,475 |
| 22% | $48,476 – $103,350 |
| 24% | $103,350 – $197,300 |
| 32% | $197,300 – $250,525 |
| 35% | $250,525 – $626,350 |
| 37% | Over $626,350 |
For married couples filing jointly, the thresholds are higher — reflecting combined income.
Important: These are marginal rates. You don’t pay the top rate on your entire income — only on the portion above the bracket threshold.
Why Standard Deduction Matters
- Simplicity: If your deductible expenses (like mortgage interest, SALT, medical, or charitable deductions) don’t exceed the standard deduction, it’s usually better to take the standard deduction.
- Less record-keeping: No need to track receipts, donations, or interest statements — standard deduction just works.
- Broad application: Many taxpayers (especially wage earners, renters, or those without major deductible expenses) benefit most from the standard deduction.
- Inflation-protected & boosted by law: The 2025 increase (plus temporary senior boost) yields real savings for many households.
How Hive Tax AI Can Help You Navigate 2025 Filing
With today’s dynamic tax environment — new legislation, deduction boosts, phased-out rules — it’s more important than ever to model your tax outcome accurately. That’s where Hive Tax AI shines.
- Use Hive Tax AI to simulate taxable income under different deduction scenarios (standard deduction vs. itemizing).
- Estimate effective tax rates after applying the correct 2025 brackets and deductions.
- Identify whether you qualify for additional senior deductions or other credits.
- Run “what-if” scenarios: how changes (e.g., additional income, charitable donations, changes in filing status) impact your taxes.
- Speed up tax-planning for clients or personal returns, with built-in up-to-date tax tables and laws.
If you’re a tax professional — CPA, EA, or advisor — having a tool like Hive Tax AI gives you an edge in offering informed, timely advice to clients.
Key Takeaways
- For 2025, the standard deduction is $15,750 (single), $23,625 (head of household), $31,500 (married filing jointly).
- Taxpayers 65+ or blind get bonus deductions, including a new $6,000 temporary senior deduction under OBBB.
- Federal tax rates remain the familiar 10%–37% across progressive brackets.
- For most taxpayers with modest deductions, standard deduction will likely remain the best path — simplifying filing and lowering taxable income.
Leveraging Hive Tax AI allows you to model your 2025 tax filing with precision, compare deduction strategies, and optimize results.