Take-Home Pay Calculator
Estimate your net pay after federal taxes, FICA, and state income tax.
Annual Take-Home
Monthly
Bi-Weekly
Effective Tax Rate
Frequently Asked Questions
What is the difference between gross and net pay?▼
Gross pay is your salary before any deductions. Net pay (take-home pay) is what you receive after federal income tax, state income tax, Social Security (6.2%), and Medicare (1.45%) are withheld.
What is FICA tax?▼
FICA stands for Federal Insurance Contributions Act. It includes Social Security tax (6.2% on wages up to $176,100 in 2025) and Medicare tax (1.45% on all wages, plus 0.9% on wages over $200,000 for single filers).
How do pre-tax deductions reduce my taxes?▼
Contributions to 401(k), HSA, FSA, and health insurance premiums are deducted from your gross salary before federal income tax is calculated. This lowers your taxable income, reducing your federal and state tax bill.
Is this calculator accurate?▼
This provides an estimate using 2024 federal tax brackets. It does not account for itemized deductions, tax credits, additional Medicare tax, or all state-specific rules. For precise figures, use official IRS withholding tables or a tax professional.