United States · 2025 tax year
See your net pay after federal income tax, state tax, Social Security and Medicare. Pick any of the 50 states for an accurate 2025 estimate.
annual gross salary
Pre-tax deductions (optional)
Traditional pre-tax — reduces taxable income
Pre-tax via employer Section 125 plan
Display pay period
Your take-home pay
per month · gross $6,250
Step-by-step breakdown
What each deduction means
Federal
Progressive federal tax using 2025 brackets (10%–37%). Applied to taxable income after the standard deduction and pre-tax contributions.
State
State income tax varies by state — nine states collect no income tax at all. Applied to adjusted gross income (before the federal standard deduction).
Social Security
6.2% of wages up to $176,100 (2025 wage base). Funds retirement, disability, and survivor benefits.
Medicare
1.45% on all wages. An additional 0.9% applies to wages above $200,000 (single) or $250,000 (married filing jointly).
Estimates use the latest 2025 tax rates. Individual circumstances vary. Not financial advice.
$50K · $75K · $100K · $150K · $200K salary after tax — tap to pre-fill the calculator.
Your take-home pay starts with your gross salary and subtracts four main deductions: federal income tax, state income tax, and the two FICA taxes — Social Security and Medicare. Federal tax is progressive across seven 2025 brackets from 10% to 37%, applied to your income after the $15,000 standard deduction (single) and any pre-tax 401(k) or health-premium contributions.
State income tax varies dramatically. Nine states — Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming — levy no income tax on wages at all, so residents there keep more of every paycheck. Others, such as California and New York, use progressive brackets that can exceed 10% at higher incomes. This calculator applies the correct 2025 rates for the state you select.
FICA is a flat 7.65%: Social Security at 6.2% up to the $176,100 wage base, plus Medicare at 1.45% on all wages (with an extra 0.9% above $200,000 for single filers). Contributing to a traditional 401(k) lowers your federal and state income tax but not FICA, since those taxes still apply to retirement contributions.
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US federal income tax is progressive: different slices of your income are taxed at increasing rates. For the 2025 tax year there are seven brackets — 10%, 12%, 22%, 24%, 32%, 35% and 37%. The rates apply to your taxable income, which is your gross salary minus the standard deduction ($15,000 for single filers) and any pre-tax contributions such as a traditional 401(k). Only the income that falls inside each bracket is taxed at that bracket’s rate, so a $75,000 salary is never taxed entirely at 22% — the first $11,925 is taxed at just 10%.
FICA (Federal Insurance Contributions Act) is the payroll tax that funds Social Security and Medicare. The Social Security portion is 6.2% of wages up to the annual wage base of $176,100, and the Medicare portion is 1.45% on all wages with no cap. An additional 0.9% Medicare surtax applies to wages above $200,000 for single filers ($250,000 married filing jointly). Together the standard FICA rate is 7.65%, and it is withheld from every paycheck before you see it.
Contributions to a traditional 401(k) are made pre-tax, so they lower your taxable income dollar for dollar. If you earn $80,000 and contribute 10% ($8,000), you are only taxed on $72,000, saving roughly $1,760 at the 22% marginal bracket. The 2025 employee contribution limit is $23,500, plus a $7,500 catch-up if you are 50 or older. Note that 401(k) contributions still count as wages for Social Security and Medicare, so they reduce income tax but not FICA.
Your marginal tax rate is the rate you pay on your next dollar of income — the top bracket your income reaches. Your effective tax rate is the average across all your income: total tax divided by gross salary. For example, a single filer earning $75,000 has a 22% marginal rate but an effective federal income tax rate closer to 11%, because the first $11,925 is taxed at 10% and the next slice at 12%. This calculator shows both, so you can see the tax on a raise (marginal) versus your overall burden (effective).
It uses the official 2025 federal tax brackets, standard deductions and FICA rates, plus state income tax rates for all 50 states, to give a close estimate of take-home pay for a standard salaried employee. It assumes the standard deduction rather than itemising, and does not model every tax credit (such as the Child Tax Credit) or every local city tax. For most people the result lands within a few percent of their actual paycheck, but it should not be treated as formal tax advice.
The estimate covers federal income tax, state income tax, Social Security and Medicare (FICA). It does not include city or local income taxes (such as New York City), tax credits, capital gains, self-employment tax, or bonuses taxed through supplemental withholding. It also assumes you work the full year on a single salary. For a complete picture of your situation, consult a qualified tax professional or the IRS.