US Take-Home Pay Calculator
Enter your annual salary and filing status to estimate what actually lands in your bank account after federal income tax and FICA, with an optional flat state-tax percentage.
2025 tax year. Assumes the standard deduction, W-2 wages, and no credits, 401(k), or pre-tax benefits. State tax is a flat estimate you supply — actual state brackets vary. Not tax advice.
How it works
Federal tax is computed the way the IRS actually does it: your standard deduction comes off first, then each slice of taxable income is taxed at its bracket's rate — being "in the 22% bracket" never means all your income is taxed at 22%. FICA is calculated separately on gross wages, because payroll taxes ignore the standard deduction.
The marginal-bracket math is why a raise can never reduce your take-home pay, despite the persistent myth.
FAQ
Which year's tax figures does this use?
The 2025 tax year: $15,000 standard deduction (single) / $30,000 (married filing jointly), 2025 federal brackets, and the $176,100 Social Security wage base.
What is FICA?
Payroll taxes for Social Security (6.2% of wages up to the annual wage base) and Medicare (1.45% of all wages, plus an extra 0.9% on income over $200,000 single / $250,000 married).
Why doesn't it list my state?
State income tax ranges from 0% (Texas, Florida, Washington…) to over 13% (California), each with its own brackets. Enter your effective state rate as a flat percentage for a reasonable estimate.
Does this account for 401(k) or health insurance?
No — it assumes plain W-2 wages with the standard deduction. Pre-tax contributions would lower your taxable income and increase your take-home relative to this estimate.