Calculate your actual per-paycheck take-home pay after federal income tax, FICA, and state taxes. Enter your salary, filing status, and deductions to see a detailed breakdown.
401(k), HSA, etc.
Gross Pay
$2,884.62
Net Take-Home Pay
$2,351.87
Marginal Bracket
22%
Effective Federal Rate
10.8%
Effective Total Rate
18.5%
Annual Gross
$75,000.00
Annual Taxes
$13,851.50
Annual Net
$61,148.50
Slightly Over-Withheld
You may receive a refund at tax time. Consider adjusting W-4 allowances.
Annual Withheld
$13,851.50
Estimated Liability
$13,851.50
Estimated Refund
$0.00
You may get this back
Monthly Gross
$6,250.00
Monthly Net
$5,095.71
Your gross salary and your take-home pay are very different numbers. Between federal income tax, Social Security, Medicare, and state taxes, a significant portion of each paycheck goes to taxes. Understanding exactly where your money goes helps you plan your budget, optimize your retirement contributions, and make informed decisions about your compensation.
This calculator models the U.S. progressive federal tax bracket system, FICA payroll taxes (Social Security and Medicare), and simplified state income taxes. It accounts for pre-tax deductions that reduce your taxable income, such as 401(k) and HSA contributions.
Federal income tax uses progressive brackets. Your income is taxed at increasing rates as it passes each threshold — for example, 10% on the first portion, 12% on the next, and so on up to 37%. Only the income within each bracket is taxed at that bracket's rate.
FICA stands for the Federal Insurance Contributions Act. It includes Social Security tax (6.2% on earnings up to the wage base, which is $176,100 in 2025) and Medicare tax (1.45% on all earnings, plus an additional 0.9% on earnings above $200,000).
The standard deduction is an amount subtracted from your adjusted gross income before calculating federal tax. For 2025, it is approximately $15,000 for single filers, $30,000 for married filing jointly, and $22,500 for head of household. Most taxpayers use the standard deduction rather than itemizing.
Pre-tax deductions like 401(k) contributions and HSA contributions reduce your taxable income before federal and state taxes are calculated. This means you pay less in income tax now, though you may pay tax on the money later when you withdraw it in retirement.
Each state has its own income tax rate (or no income tax at all). States like Texas, Florida, and Washington have no state income tax, while states like California and Oregon have rates above 8%. This significantly affects your take-home pay.
Paycheck Calculator
Estimate your take-home pay after federal and state taxes, Social Security, Medicare, and retirement contributions. See exactly where your paycheck goes.
Payroll Tax Calculator
Estimate federal payroll taxes for employees including Social Security, Medicare, and federal income tax withholding. See both employee and employer tax obligations side by side.