Take-Home Pay Calculator (US)
Estimate US take-home (net) pay after federal income tax, Social Security (6.2%), Medicare (1.45%), and optional state tax. Simplified — actual paychecks have many more variables.
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About Take-Home Pay Calculator (US)
What this excludes
Health insurance premiums, HSA/FSA contributions, dependent care FSA, life insurance, garnishments, local (city/county) taxes, supplemental tax withholding. Real paychecks have many more lines. Treat this as a rough estimate.
No-tax states
No state income tax: Texas, Florida, Washington, Nevada, Tennessee, South Dakota, Wyoming, Alaska, New Hampshire (no wage tax). Set state rate to 0%. These states usually have higher sales or property tax to compensate.
2025 brackets
Single filer: 10% to $11,925, 12% to $48,475, 22% to $103,350, 24% to $197,300, 32% to $250,525, 35% to $626,350, 37% above. Brackets are marginal — each rate applies only to income in that range, not the entire salary. Standard deduction: $15,000 single, $30,000 married filing jointly, $22,500 head of household.
Additional Medicare Tax
Medicare is 1.45% on every dollar of wages, plus an extra 0.9% on wages above $200,000 (single and head of household) or $250,000 (married filing jointly). Social Security is 6.2% but only on the first $176,100 of wages in 2025 — above that cap it stops. Both are applied to your full gross pay, so pre-tax 401(k) contributions do not reduce them.