Kentucky Tax Calculator 2025
Estimate your federal and Kentucky state taxes for the 2025 tax year.
Pre-configured for Kentucky residents, 2025 tax year. Planning ahead? Kentucky Tax Calculator 2026 has the new 2026 brackets and enacted rate changes.
Your numbers
Pre-tax contributions
$2,200 federal Child Tax Credit each, applied to your 2025 liability.
Estimate your refund (optional)
Enter what was withheld this year — W-2 box 2 (federal) and box 17 (state) — to compare against your estimated liability.
$58,444 per year, shown per month
of gross income, all taxes
federal + KY on your next dollar
Estimate only, for a single W-2 earner taking the standard deduction. Most Kentucky counties, cities and some school boards levy occupational license taxes on gross wages — typically 1–2.5% (Louisville Metro 1.45%, Lexington 2.25%) with no deductions. Itemized deductions and most credits beyond the Child Tax Credit aren't modeled.
Only the top slice pays 22%
Federal tax is progressive: each bracket taxes only the income inside it. Here is how your $59,250 of taxable income fills the 2025 brackets.
Understanding Kentucky Income Taxes
Residents of Kentucky pay state income tax on top of federal taxes. The amount you owe depends on your taxable income, filing status, and the deductions and credits Kentucky allows.
Key Takeaways for 2025
- Federal tax brackets and standard deductions have been adjusted for inflation (and raised retroactively by the One Big Beautiful Bill Act).
- Kentucky's own rates, standard deduction, and exemptions are applied to your state estimate automatically.
- Most Kentucky counties, cities and some school boards levy occupational license taxes on gross wages — typically 1–2.5% (Louisville Metro 1.45%, Lexington 2.25%) with no deductions.
- Don't forget FICA taxes (Social Security and Medicare) — they're withheld from your paycheck automatically and included in the take-home figure above.
Go Deeper on Your 2025 Taxes
Federal tax tools
- Federal Income Tax Calculator — brackets, deductions, and your effective rate
- Tax Bracket Calculator — see which bracket your income lands in
- Paycheck Tax Calculator — per-paycheck withholding and take-home
- Marriage Tax Calculator — filing jointly vs. separately
- W-4 Withholding Calculator — is your paycheck withholding on target?
- Estimated Tax Calculator — quarterly 1040-ES vouchers for 1099 income
- 2026 State Tax Changes — every enacted cut, verified
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Frequently Asked Questions
What is the Kentucky state income tax rate for 2025?
Kentucky has a flat 4% state income tax for the 2025 tax year — every taxpayer pays the same rate regardless of income. Kentucky’s flat rate drops from 4.0% (2025) to 3.5% for 2026 under House Bill 1.
How is Kentucky state income tax calculated?
Kentucky applies its flat 4% rate to your income after Kentucky's own standard deduction ($3,270 single / $3,270 married filing jointly). This calculator applies the latest published Kentucky figures automatically.
How much tax will I pay on a $75,000 salary in Kentucky?
Roughly $2,869 in Kentucky state income tax for a single filer taking the standard deduction in 2025. Add about $7,949 of federal income tax and $5,738 of FICA (7.65%), for total taxes near $16,556 and take-home around $58,444. Credits and other income can change this.
What percentage of your paycheck goes to taxes in Kentucky?
About 22.1% for a single filer earning $75,000 in 2025: federal income tax (~10.6%), FICA (7.65%), and Kentucky state tax (~3.8%). Your exact percentage depends on income, filing status, and pre-tax contributions like a 401(k).
Does Kentucky tax Social Security benefits?
No. Kentucky does not tax Social Security benefits.
Does Kentucky tax retirement income like 401(k) or pension withdrawals?
Social Security is fully exempt, and Kentucky excludes up to $31,110 of pension/retirement income per person (government pensions from pre-1998 service are fully exempt).
Are there local income taxes in Kentucky?
Most Kentucky counties, cities and some school boards levy occupational license taxes on gross wages — typically 1–2.5% (Louisville Metro 1.45%, Lexington 2.25%) with no deductions. This calculator estimates state-level tax only.