Take-Home Pay Calculator: Your Paycheck After Taxes

See how much of your salary you actually keep after federal income tax, state income tax, Social Security, and Medicare. Pick your state below for an exact take-home pay estimate using 2025 IRS brackets and state-published tax data.

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24 states live today, with more added regularly.

How to calculate your take-home pay after taxes

Your take-home pay (also called net pay) is what is left from your gross salary after four layers of US payroll tax are removed: federal income tax, state income tax, Social Security, and Medicare. Pre-tax deductions like 401(k) and HSA contributions come out before tax is calculated, which lowers the amount you are taxed on.

1. Federal income tax

Federal tax uses progressive brackets from 10% to 37% on the 2025 IRS schedule (Rev. Proc. 2024-40). Only the income inside each bracket is taxed at that bracket's rate, so your effective rate is always lower than your top marginal rate. See the full breakdown in the federal income tax calculator.

2. State income tax

41 states levy a personal income tax; nine — including Texas and Florida — do not. This is the single biggest reason two people earning the same salary can have very different take-home pay. Pick your state above to apply the correct brackets.

3. Social Security and Medicare (FICA)

FICA is flat: 6.2% Social Security on wages up to the 2025 cap of $176,100, plus 1.45% Medicare on all wages. Earnings above $200,000 carry an additional 0.9% Medicare surtax.

Prefer to think in hourly terms? Convert any salary with the salary-to-hourly calculator, or estimate self-employment tax with the 1099 tax calculator.

Frequently Asked Questions

How do I calculate my take-home pay after taxes?+

Start with your gross salary, then subtract federal income tax (2025 IRS brackets), your state income tax if your state has one, and FICA — 6.2% Social Security up to the $176,100 wage base plus 1.45% Medicare. Subtract any pre-tax 401(k) or HSA contributions first, since they lower taxable income. Pick your state above and the calculator runs every step for you.

How much of my paycheck do I actually keep after taxes?+

Most US workers keep roughly 70%–80% of gross pay after taxes, depending on income and state. On a $75,000 salary you typically take home about $55,000–$62,000 a year — higher in no-income-tax states like Texas and Florida, lower in high-tax states like California and New York. Use your state's calculator above for an exact figure.

What taxes are deducted from a paycheck?+

Four taxes come out of a typical US paycheck: federal income tax, state income tax (levied in 41 states), Social Security (6.2%), and Medicare (1.45%). High earners also pay a 0.9% additional Medicare surtax on wages above $200,000. Nine states — including Texas and Florida — have no state income tax at all.

Why is my take-home pay different from state to state?+

Federal income tax and FICA are the same everywhere, but state income tax is not. The same $100,000 salary can leave you with several thousand dollars more per year in Texas or Florida (no state tax) than in California or New York (progressive state tax up to roughly 10–13%). Compare any state using the calculators above.

How accurate is this take-home pay estimate?+

Federal calculations use the IRS Rev. Proc. 2024-40 brackets for the 2025 tax year, and each state's numbers come from that state's published tax tables. The result is a close estimate of your net annual, monthly, and biweekly pay. Your actual paycheck can differ slightly based on local taxes, benefit elections, and W-4 withholding choices.

Does the calculator include 401(k) and other pre-tax deductions?+

Yes. Enter your annual 401(k), HSA, or other pre-tax contributions and the calculator subtracts them from taxable income before applying federal and state tax — so your take-home estimate reflects the real tax savings from pre-tax benefits.