Take-Home Pay Calculator (US)
Estimate your net (take-home) pay in the US: enter gross annual salary, filing status and a state tax rate to see estimated federal tax, FICA and your monthly paycheck.
How to use the take-home pay calculator (us)
- Enter your gross annual salary before any deductions.
- Choose your federal filing status.
- Enter your state income tax rate (0 for the nine no-income-tax states, or look up your state’s marginal rate).
- Review the breakdown — federal, FICA and state — and the resulting monthly take-home.
Formula
About this calculator
Your paycheck shrinks in three main ways: federal income tax (progressive brackets applied to your income after the standard deduction), FICA (a flat 7.65% up to the Social Security wage base, Medicare uncapped), and state income tax where applicable. This calculator estimates all three using 2025 figures.
The most common surprise is the gap between marginal and effective rates. Someone earning $75,000 single is "in the 22% bracket," but their effective total tax rate — the one that determines take-home — is closer to 20% including FICA. Brackets apply only to income inside each band, never to your whole salary.
The result ignores pre-tax deductions like 401(k) contributions, HSA, and health premiums. Those reduce taxable income, so a person contributing 10% to a 401(k) pays less tax than shown here but takes home less cash per paycheck. Treat this estimate as a baseline for a no-deduction situation.
Frequently asked questions
What percentage comes out of my paycheck?
For a $75,000 single filer with modest state tax, total withholding is typically around 20–24% of gross. FICA alone is a flat 7.65% for most incomes.
Which states have no income tax?
As of 2025: Alaska, Florida, Nevada, New Hampshire (wages), South Dakota, Tennessee, Texas, Washington (wages) and Wyoming. Enter 0% for these.
Why is my actual paycheck different?
Pre-tax deductions (401k, HSA, premiums), local taxes, filing specifics like credits, and additional withholding elections all shift the real number. This is an estimate of the baseline.
Is the Social Security tax capped?
Yes — the 6.2% Social Security portion applies only up to the annual wage base ($176,100 in 2025). The 1.45% Medicare portion has no cap.