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Financial Calculator Update 3/31/2025

Targeted quarterly update focused on updating tax calculators to 2025 rates and schedules.

Overview

The quarterly update for 3/31/2025 is a targeted update in regard to content. It is focused on updating the tax calculators to 2025 as we near the close of the 2024 tax season.

All maintenance releases are cumulative, so if you apply this update, you will have all previous calculator updates as well. For your reference you can view the previous update notes here: 12/31/2024 Update.

Update Instructions

For more detailed information please see our deployment documentation: V3 Deployment Information

  1. Download the latest update package for your calculators from your download site, found on your update email notice.
  2. Execute the KJEUpdate.exe file from your download. This is a self-extracting zip file. (Or unzip the KJEUpdate.zip file if you are using a non-Windows platform.) If you see a warning message, you can safely continue. When prompted for a directory, you may use the default or enter your own. It is recommended that you extract the update to a new directory and then move the required files to your production or staging environment. One directory will be created with no subdirectories.
  3. Replace all files provided in update package. The update package includes all JS files and CSS files required to update the content of your calculators. Important! The update package does not contain any HTML files or the KJESiteSpecific.js or KJESiteSpecific.css files. These files are not required for an upgrade, and replacing them may result in overwriting custom changes for your website installation. If you use the full installation package and have changed KJESiteSpecific.js or KJESiteSpecific.css, do not replace them.

When you test the new version of the calculators, make sure that the browser you are using uses the new files instead of any it may have in its cache. You may need to clear the browser's cache manually to ensure the new versions are loaded.

Update Failure or Issues

If your update fails, or provides unexpected coloring and formatting, please try the following to update your site's calculators.

  1. Download your full install calculator package KJECalc.exe (or KJECalc.zip). Use the full install package for this update, not the update package.
  2. Execute the KJECalc.exe file. This is a self-extracting zip file. (Or unzip the KJEUpdate.zip file if you are using a non-Windows platform.) If you see a warning message, you can safely continue. When prompted for a directory, you may use the default or enter your own. It is recommended that you extract the update to a new directory and then move the required files to your production or staging environment. One directory will be created with no subdirectories.
  3. Replace all files provided in full install package. The package includes all JS files and CSS files required for a clean install of your calculators. If you have changed the KJESiteSpecific.js or KJESiteSpecific.css files, it is recommended you make a backup of these two files before overwriting them with the new ones.
  4. Test. Clear your browser's cache and test your calculators. Please contact us with questions or issues such as colors or required special settings — we can do this as part of your normal update package for current and future releases.

Hosting Service

We also have another option you might want to consider. Our hosting package allows you to have calculators that you “set and forget” — all updates are applied automatically as part of the service. No more downloads or installation of updates.

Features:

  • We match your colors, logos, and fonts to match your site
  • You can link directly to the hosted calculators in its app interface
  • Embed any calculator from your package into any page on your site for seamless integration
  • Easily add calculators to your package without coding or downloads

Please contact us with questions!

Update Changes 3/31/2025

The V3 (HTML5/JavaScript) calculators do not require any edits or modifications to HTML pages — all changes are encapsulated within the JS files provided. If you see anything that needs attention on your website, please contact us for assistance. This update has some changes that may affect your deployment; we are ready and willing to make our newest calculators look great on your site!

  1. ADA and Screen Readers: Updates to improve ADA and screen reader functionality continue to be applied. All calculators follow the ADA guidelines to meet accessibility specification WCAG 2.1 Level AA and Section 508. As interpretation of these guidelines changes and ADA scanning tools are refined, we continue to monitor and update the calculators.

  2. 1040 Tax Estimator (Tax1040.html) has been updated for new rates and schedules for 2025. This includes changes to the definitions and the calculation modules. It is likely that additional changes to the tax rates and rules will take place before the end of 2025. The following tables and definitions have been updated in all calculators in which they appear.

    ‘Filing Status and Federal Income Tax Rates on Taxable Income’ table

    Filing Status and Federal Income Tax Rates on Taxable Income for 2025*
    Tax RateMarried Filing Jointly or Qualified Widow(er)SingleHead of HouseholdMarried Filing Separately
    10%$0 - $23,850$0 - $11,925$0 - $17,000$0 - $11,925
    12%$23,850 - $96,950$11,925 - $48,475$17,000 - $64,850$11,925 - $48,475
    22%$96,950 - $206,700$48,475 - $103,350$64,850 - $103,350$48,475 - $103,350
    24%$206,700 - $394,600$103,350 - $197,300$103,350 - $197,300$103,350 - $197,300
    32%$394,600 - $501,050$197,300 - $250,525$197,300 - $250,500$197,300 - $250,525
    35%$501,050 - $751,600$250,525 - $626,350$250,500 - $626,350$250,525 - $375,800
    37%Over  $751,600Over  $626,350Over  $626,350Over  $375,800
    *Caution: Do not use these tax rate schedules to figure 2024 taxes. Use only to figure 2025 estimates. Source: Rev. Proc. 2024-40
    Standard Deduction for 2025 Federal Income Tax
    Filing StatusStandard Deduction
    Married Filing Joint$30,000
    Qualified Surviving Spouse$30,000
    Single$15,000
    Heads of Household$22,500
    Married Filing Separately$15,000
    Alternative Minimum Tax Exemption Amount by Filing Status 2025
    Filing StatusExemption AmountExemption Phaseout Threshold
    Married Filing Jointly$133,300$1,218,700
    Qualified Surviving Spouse$133,300$1,218,700
    Single$85,700$609,350
    Heads of Household$85,700$609,350
    Married Filing Separately$66,650$609,350
    Income Thresholds QBID 2025
     Single, Married Filing Separately and Heads of HouseholdMarried Filing Jointly
    Taxable income at or below$197,300

    20% of business income from qualified trades or businesses including Specified Service Trade or Business (SSTB).    		$383,900

    20% of business income from qualified trade or business including specified services or businesses.
    Taxable income in range has prorated deduction$197,300–$247,300

    Phase-out of QBID deduction for Specified Service Trade or Business (SSTB). Phase-in of employee wage requirements for all other businesses.    		$383,900–$484,600

    Phase-out of QBID deduction for Specified Service Trade or Business (SSTB). Phase-in of employee wage requirements for all other businesses.
    Taxable income above$247,301

    No QBID deduction for Specified Service Trade or Business (SSTB). QBID limited to 50% of employee wages paid or 25% of employee wages paid plus 2.5% of invested capital.    		$484,601

    No QBID deduction for Specified Service Trade or Business (SSTB). QBID limited to 50% of employee wages paid or 25% of employee wages paid plus 2.5% of invested capital.

    Long-term capital gains are taxed at lower, special capital gains rates and are calculated as follows (note that qualified dividends are taxed as if they were a long-term capital gain):

    • Calculate your total taxable income without long-term capital gains.
    • Use this amount to determine the rate for your long-term gain, up to the top of the bracket.
    • The portion of your long-term capital gain that exceeds a bracket will be taxed at the next higher rate.
    • This calculator assumes that none of your long-term capital gains come from collectibles, section 1202 gains or un-recaptured 1250 gains. These types of capital gains are taxed at 28%, 28% and 25% respectively (unless your ordinary income tax bracket is a lower rate).
    Long-term Capital Gain Tax Rates 2025*
    Tax RateMarried Filing Jointly or Qualified Widow(er)SingleHead of HouseholdMarried Filing Separately
    0%$0 - $96,700$0 - $48,350$0 - $64,750$0 - $48,350
    15%$96,700 - $600,050$48,350 - $533,400$64,750 - $566,700$48,350 - $300,000
    20%Over $600,050Over $533,400Over $566,700Over $300,000
    *Caution: Do not use these tax rate schedules to figure 2024 taxes. Use only to figure 2025 estimates. Source: Rev. Proc. 2024-40
  3. U.S. Easy Tax Estimator (TaxEZ1040.html) has been updated for new rates and schedules for 2025. This includes changes to the definitions and the calculation modules. Please note that no new entry or output fields were required, but the tax tables and many of the tax computations were affected.
  4. Simple Federal Tax Calculator (Tax1040Simple.html) has been updated for new rates and schedules for 2025. This includes changes to the definitions and the calculation modules. Please note that no new entry or output fields were required, but the tax tables and many of the tax computations were affected.
  5. Marginal Tax Calculator (TaxMargin.html, SPTaxMargin.html) has been updated for new rates and schedules for 2025. This includes changes to the definitions and the calculation modules. Please note that no new entry or output fields were required, but the tax tables and many of the tax computations were affected.
  6. Earned Income Tax Credit Calculator (EarnedIncomeCredit.html) has been updated for new rates and schedules for 2025. This includes changes to the definitions and the calculation modules. Please note that no new entry or output fields were required, but the tax tables and many of the tax computations were affected.
  7. Charitable Tax Savings Calculator (CharitableTax.html) has been updated for new rates and schedules for 2025. This includes changes to the definitions and the calculation modules. Please note that no new entry or output fields were required, but the tax tables and many of the tax computations were affected.
  8. Taxable Social Security Benefits Calculator (SocialSecurityTaxable.html) has been updated for new rates and rules for 2025. This includes changes to the definitions and the calculation modules. Please note that no new entry or output fields were required.
  9. 72(t) Calculator: Early withdrawals from retirement accounts (Retire72T.html, Retire72T2.html), 72(t) Distributions: Impact on retirement fund balances (Retire72TAlt.html): The Federal Mid-Term rate has been updated for April 2025. For April 2025, 120% of the Federal Mid-Term rate is 5.06%.
  10. Beneficiary RMD Calculators: A minor fix has been made regarding when an account owner dies before required distributions are required to begin. Previous versions had the start date as of the end of the calendar year in the first year RMD was required. This update moves the start date to April 1st of the year following the first RMD year, per IRS finalized rules. If an account owner dies any time before April 1st of the year following their first RMD year, distributions are assumed to not have started. As is the case in all situations where distributions have not been started and an account owner dies, there will not be any RMD required for a beneficiary using the 10-year rule for account distribution.