Free Financial Tool

Take-Home Pay
Calculator

See your exact take-home pay after federal and state taxes, Social Security, Medicare, and pre-tax deductions.

Tax Year

Enter Your Pay Details

Pay Type
Gross Pay
$
Filing Status
Single
Married Filing Jointly
Married Filing Separately
Head of Household
Location & Withholding
Pre-Tax Deductions (monthly for health/HSA/FSA)
0%
= $0 / year
$
$
$
Estimated Take-Home Pay
$—
Enter details and calculate
Annual Net
—
Effective Rate
—
—
Total Tax Burden
Calculate to see your effective rate and marginal bracket.

Pay Breakdown

Per Paycheck

Your full breakdown will appear here after calculating.

Pay Schedule View

—
Weekly
—
Bi-weekly
—
Semi-Mo
—
Monthly

Results are estimates only. Actual withholding may vary based on W-4 elections, local taxes, and year-to-date wages. For personalized guidance, consult a tax professional or contact us.

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How It Works

Understanding your take-home pay

Federal Income Tax

Taxed progressively across seven brackets from 10% to 37%. Most earners fall in the 22–24% marginal bracket but pay a lower effective rate. Only income above each threshold is taxed at the higher rate.

FICA Taxes

Social Security (6.2%) applies to wages up to the annual wage base. Medicare (1.45%) applies to all wages, plus an additional 0.9% on wages above $200,000. These are separate from income tax and cannot be reduced by deductions.

Pre-Tax Deductions

401(k), HSA, and health insurance contributions are deducted before taxes are calculated, lowering your taxable income. A 10% 401(k) on an $85,000 salary saves roughly $1,870 in federal tax annually in the 22% bracket.

Common Questions

Frequently asked questions

Gross pay minus federal income tax (using progressive brackets and your filing status), FICA taxes (Social Security 6.2% + Medicare 1.45%), state income tax, and any pre-tax deductions. Pre-tax deductions reduce taxable income before taxes are applied.
Your marginal rate is the rate on your last dollar of income. Your effective rate is the average across all income. Because the U.S. uses a progressive system, someone in the 24% bracket still pays 10% and 12% on lower tiers, so the effective rate is always lower than the marginal rate.
Yes, for traditional (pre-tax) contributions. Every dollar contributed reduces your federal and state taxable income. The 2025 employee limit is $23,500, with a $7,500 catch-up for those 50 and older. Roth 401(k) contributions are after-tax and do not reduce your current-year tax bill.
Nine states impose no income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. On a $100,000 salary, living in a no-tax state vs. a high-tax state like California or Oregon can mean $5,000–$9,000 more in annual take-home pay.
Allowances reduce the amount your employer withholds per paycheck. Each allowance is worth roughly $4,300 less in annual taxable withholding. More allowances increases take-home pay during the year but reduces your refund at tax time. Most post-2020 W-4 filers should select 0.
This tool provides reliable estimates for standard W-2 situations using current federal brackets and state flat-rate approximations. Actual withholding may differ if you have multiple jobs, city taxes, mid-year salary changes, or custom W-4 adjustments. For personalized guidance, consult a tax professional or contact us.