US Take-Home Pay Calculator
Estimate your paycheck after federal tax, state tax and FICA.
About this calculator
Your gross salary is almost never the amount that lands in your bank account. Between you and your take-home pay sit four main deductions: federal income tax, Social Security, Medicare, and — in most states — state income tax. This calculator estimates all of them so you can see your true net pay per week, month and year.
Federal income tax is progressive: it applies rising rates to successive slices of income after the standard deduction, so your effective rate is always lower than your top bracket. Social Security is a flat 6.2% up to an annual wage cap, and Medicare is a flat 1.45% with no cap — together these are the FICA taxes. State income tax varies enormously, from zero in states like Texas and Florida to double-digit top rates in states like California.
Because the state component swings your paycheck so much, this calculator lets you choose your state. Two people earning the same $90,000 salary can have take-home pay that differs by several thousand dollars a year purely based on where they live. Use the state page most relevant to you for the closest estimate.
Frequently asked questions
Why is my take-home pay less than my salary times (1 minus my tax bracket)?
Your tax bracket is only the rate on your last dollar. Lower slices of income are taxed at lower rates, and separate FICA taxes (7.65%) also apply, so the combined effect is different from a single bracket.
Which states have no income tax?
States with no broad personal income tax include Texas, Florida, Washington, Nevada, Tennessee, South Dakota, Wyoming and Alaska. Residents there keep more of each paycheck.
Does this include deductions like 401(k) or health insurance?
This is a baseline estimate on gross salary. Pre-tax contributions such as 401(k) or health premiums would lower your taxable income and change the result.
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⚠️ Estimates use simplified brackets and a single-filer standard deduction for general guidance only. They are not tax advice. Verify with a tax professional or the IRS.