Calculate your net take-home salary after federal tax, state tax, Social Security, and Medicare deductions. Supports US payroll.
Enter your state tax rate (0 for no state tax)
401(k), health insurance, etc. (monthly total)
Enter values above to see results
Net Pay = Gross − Federal Tax − State Tax − FICA − Other DeductionsFICASocial Security (6.2%) + Medicare (1.45%) = 7.65%Federal TaxCalculated via 2024 US marginal tax bracketsState TaxFlat rate applied to gross incomeUS federal income tax uses progressive brackets — different portions of income are taxed at different rates. FICA (Federal Insurance Contributions Act) taxes fund Social Security and Medicare. This calculator uses 2024 tax brackets as a reference estimate.
Understanding your take-home pay is essential for personal budgeting, job offer comparison, and financial planning. The gap between your gross salary and what actually hits your bank account can be significant — often 25-35% for middle-income earners. This calculator breaks down every deduction so you know exactly where your money goes.
Enter your gross annual salary, filing status, state tax rate, and any other monthly deductions. The calculator uses 2024 US federal tax brackets, FICA rates, and your specified state rate to compute your annual, monthly, and bi-weekly net pay.
US payroll: 2024 federal brackets, FICA at 7.65%, no other deductions.
About $4,497/month take-home — an effective tax-and-FICA rate of roughly 28%.
FICA isn't income tax and doesn't have brackets — it's a flat 7.65% up to the Social Security wage cap.
This tool helps you compare job offers on an apples-to-apples basis (net pay, not gross), plan your monthly budget accurately, and understand the tax impact of raises or additional income. The effective tax rate breakdown is particularly valuable for financial planning.
Don't confuse gross salary with net pay when budgeting. Many people are surprised by how much is withheld. Also, this calculator uses a flat state rate — some states have progressive brackets like the federal system, so consult your state's tax authority for precision.
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