Free salary calculator to estimate your take-home pay after federal, state, and local taxes. Includes FICA, Medicare, 401(k) deductions, and all 50 states. Get instant, accurate paycheck calculations.
Fill out the form on the left to see your estimated take-home pay, taxes, and detailed breakdown.
Your take-home pay (also called net pay) is the amount you actually receive in your paycheck after all deductions and taxes. It's typically 70-80% of your gross salary, depending on your state, filing status, and pre-tax deductions. Understanding this difference is crucial for budgeting, comparing job offers, and negotiating salary increases.
Federal taxes include income tax (based on tax brackets), Social Security tax (6.2% up to $168,600), and Medicare tax (1.45% on all income). State and local taxes vary significantly—some states like Texas and Florida have no income tax, while California and New York have rates exceeding 10% for high earners.
Step 1: Enter your annual salary or hourly wage. For hourly workers, we'll calculate your annual gross based on typical work hours.
Step 2: Select your state and city (if applicable). Some cities like NYC, Philadelphia, and San Francisco have additional local income taxes that significantly impact take-home pay.
Step 3: Choose your filing status (single, married filing jointly, etc.) and add any pre-tax deductions like 401(k) contributions, HSA, FSA, or health insurance premiums.
Step 4: Select your pay frequency (weekly, biweekly, or monthly) to see your per-paycheck take-home amount with detailed tax breakdowns and visual charts.
Increase 401(k) contributions: Pre-tax retirement contributions reduce your taxable income, lowering federal and state taxes while building your retirement savings. For 2025, you can contribute up to $23,000 ($30,500 if age 50+).
Use HSA and FSA accounts: Health Savings Accounts and Flexible Spending Accounts use pre-tax dollars for medical expenses, reducing your tax burden while covering healthcare costs.
Consider relocation: Moving from high-tax states like California (13.3% top rate) or New York (10.9%) to no-income-tax states like Texas, Florida, or Washington can increase your take-home pay by 10% or more without changing your salary.
Negotiate salary strategically: When comparing job offers, always calculate take-home pay rather than just comparing gross salaries. A $100k salary in Texas provides significantly more take-home pay than $100k in California.
Progressive tax based on 2025 tax brackets. Rates range from 10% to 37% depending on your income and filing status.
Social Security: 6.2% on income up to $168,600 (2025 limit). Medicare: 1.45% on all income, plus 0.9% additional Medicare tax on income over $200,000 (single) or $250,000 (married).
Varies by state from 0% (9 states) to over 13% (California). Some states use flat rates while others use progressive brackets.
Additional taxes in certain cities: NYC (3.078-3.876%), Philadelphia (3.71%), San Francisco (0.38%), and various Ohio cities.
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See how your take-home pay changes across different states