Take-Home Pay Calculator

Start with your gross salary and subtract three things: federal income tax (computed on the 2025 marginal brackets after the standard deduction), FICA (7.65% for Social Security and Medicare), and state income tax (your effective rate). What's left is your annual take-home, which this calculator then divides by your number of pay periods to show a per-paycheck figure.

FICA is the payroll tax that funds Social Security and Medicare. As an employee you pay 6.2% for Social Security (up to the $176,100 wage base in 2025) and 1.45% for Medicare (no cap), for 7.65% total. Your employer quietly matches it. High earners pay an extra 0.9% Additional Medicare Tax above $200,000 (single) or $250,000 (married filing jointly).

For tax year 2025 the standard deduction is $15,750 for single filers, $31,500 for married filing jointly, and $23,625 for head of household. This calculator subtracts the standard deduction before applying the federal brackets, so your taxable income is lower than your gross salary.

Three taxes stack up: federal income tax can reach the 22%-24% marginal brackets for typical salaries, FICA takes a flat 7.65%, and state income tax adds anywhere from 0% to over 10% depending where you live. Combined, an effective rate of 20%-30% of gross is common, which is why your paycheck is meaningfully smaller than salary ÷ pay periods.

No. To stay simple this calculator assumes the standard deduction and no pre-tax contributions like 401(k), HSA, or employer health premiums. Those would lower your taxable income and change your take-home. The figure here is a clean baseline; your real paycheck may differ once benefits are withheld.

Nine states have no broad personal income tax in 2025: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Pick your state in the calculator and it prefills an editable effective rate - set it to 0% for those states.