Take Home Salary Calculator

Calculate your net take-home pay after taxes and deductions. Get an accurate estimate of your actual paycheck amount with federal, state, and FICA taxes included.

Take Home Pay Calculator

Enter your salary and tax information to estimate your net take-home pay

Basic Information

Annual Gross Salary ($)

Filing Status

State Information

State

Progressive tax state - enter your rate

Tax Rates

Federal Tax Rate (%)

Check your pay stub or use estimated rate above

State Tax Rate (%)

Enter your state tax rate

Pre-Tax Deductions

401(k) Contribution ($)

Health Insurance ($)

Other Deductions ($)

Union dues, parking, etc.

Key Features

Federal & state tax calculation

FICA taxes (Social Security & Medicare)

Pre-tax deductions support

Multiple pay frequency breakdown

Real-time calculation updates

2024 Federal Tax Brackets

Reference only - actual rates may vary

10%$0 - $11,600

12%$11,601 - $47,150

22%$47,151 - $100,525

24%$100,526 - $191,050

32%$191,051 - $243,725

+ Higher brackets at 35% and 37%

Calculation Tips

Check Pay Stub: Use your actual tax withholding rates for accuracy

Pre-tax Benefits: 401k and health insurance reduce taxable income

State Variations: 8 states have no income tax, 7 have flat rates

FICA Taxes: Social Security (6.2%) + Medicare (1.45%) are fixed

High Earners: Additional 0.9% Medicare tax over $200k income

Standard Deduction: $14,600 single, $29,200 married (2024)

Effective Rate: Total taxes divided by gross income

Planning Tool: Use for budgeting and salary negotiations

Privacy & Security

• All calculations are performed in your browser

• No salary data is sent to our servers

• Your information remains completely private

• Results are estimates for planning purposes only

Frequently Asked Questions

How accurate is this calculator?

This calculator provides estimates based on the tax rates you input. For the most accurate results, use the tax withholding rates from your pay stub or consult a tax professional.

What tax rate should I use?

Check your pay stub for actual withholding rates, or use our estimated federal tax rate. Your actual rate depends on deductions, credits, and filing status.

Are FICA taxes included?

Yes, we automatically calculate Social Security (6.2%) and Medicare (1.45%) taxes. Social Security tax applies only to the first $168,600 of income in 2024.

What about state taxes?

Eight states have no income tax, seven have flat taxes (auto-calculated), and others have progressive rates. For progressive tax states, enter your estimated rate.

How do pre-tax deductions work?

Pre-tax deductions like 401(k) contributions and health insurance premiums reduce your taxable income, which can lower your overall tax burden.

Is my data secure?

Yes, all calculations are performed in your browser. No salary or personal information is sent to our servers. Your data remains completely private.

What's the difference between gross and net pay?

Gross pay is your total salary before any deductions. Net pay (take-home pay) is what you actually receive after taxes and other deductions are subtracted.

How is the effective tax rate calculated?

Effective tax rate is your total taxes divided by gross income. It represents the overall percentage of your income that goes to taxes.

Can I use this for hourly wages?

This calculator is designed for annual salaries. For hourly wages, first multiply your hourly rate by annual hours worked (typically 2,080 for full-time).

What about additional Medicare tax?

High earners pay an additional 0.9% Medicare tax on income over $200,000. This calculator automatically includes this additional tax when applicable.

Important: This calculator provides estimates only and is not tax advice. Actual tax calculations depend on many factors including deductions, credits, and filing status. Consult your pay stub or tax professional for accurate calculations.