Take-Home Pay Calculator
Estimate your paycheck after taxes
Wondering what actually lands in your bank account? Enter your gross salary to estimate your take-home pay after federal tax, Social Security, Medicare and state tax — per year and per paycheck.
Where your paycheck goes
Your gross salary gets trimmed by several things before it reaches you: federal income tax (calculated on a progressive bracket basis after the standard deduction), FICA (6.2% Social Security up to the annual wage base, plus 1.45% Medicare), and any state income tax. Pre-tax deductions like a 401(k) lower your taxable income (though not your Social Security and Medicare wages), which is why contributing can shrink your tax bill.
Estimate only — not tax advice. Uses 2025 federal brackets and the standard deduction, a flat state-rate estimate, and ignores credits, local taxes and other withholdings. Your real paycheck will differ.
Take-Home Pay Calculator: frequently asked questions
What's the difference between gross and take-home pay?
Gross pay is your salary before deductions. Take-home (net) pay is what's left after federal and state income tax, Social Security, Medicare and any pre-tax deductions.
Why is my take-home pay so much lower than my salary?
Federal income tax, Social Security (6.2%), Medicare (1.45%) and often state tax all come out before you're paid — together they commonly take 20–35% of gross pay.