Salary FYI

Take-Home Pay Calculator

Calculate your monthly and yearly take-home pay after taxes.

Quick presets

How to Use

  1. 1
    Enter your gross salary

    Enter your annual or hourly gross salary amount and select the pay frequency (annual, monthly, biweekly, or weekly). Choose a preset if it matches your situation.

  2. 2
    Select filing status and state

    Choose your federal filing status (Single, Married Filing Jointly, or Head of Household) and pick your state's approximate tax rate from the dropdown.

  3. 3
    View your take-home pay

    Click 'Calculate Take-Home Pay' to see a full breakdown of federal tax, state tax, Social Security, Medicare, and your net pay across all pay periods.

About

The United States uses a progressive federal income tax system, meaning higher portions of income are taxed at higher rates. For 2026, there are seven federal tax brackets ranging from 10% to 37%. Your filing status (Single, Married Filing Jointly, or Head of Household) determines the income thresholds for each bracket. Before applying these brackets, the IRS allows a standard deduction that reduces your taxable income: $15,700 for Single filers, $31,400 for Married Filing Jointly, and $23,500 for Head of Household.

In addition to federal income tax, most workers pay FICA taxes, which fund Social Security and Medicare. Social Security tax is 6.2% of gross wages up to $168,600 (the 2026 wage base cap). Medicare tax is 1.45% on all wages, with an additional 0.9% surtax on wages exceeding $200,000 for single filers. These payroll deductions are separate from income tax and apply regardless of filing status or deductions.

State income taxes add another layer of complexity. Nine states (Texas, Florida, Washington, Nevada, Wyoming, South Dakota, Alaska, Tennessee, and New Hampshire) impose no state income tax on wages. Others range from flat rates under 5% (such as Pennsylvania at 3.07%) to progressive systems exceeding 13% at the top bracket (California). This calculator uses a simplified flat-rate approximation for state taxes to give you a quick estimate.

Your take-home pay is what remains after all these deductions. Understanding the gap between gross and net salary is essential for budgeting, negotiating raises, and comparing job offers.

FAQ

What is take-home pay?
Take-home pay (also called net pay) is the amount you actually receive in your bank account after all mandatory deductions. These include federal income tax, state income tax (if applicable), Social Security tax, and Medicare tax.
How is federal income tax calculated?
Federal income tax uses a progressive bracket system. First, the standard deduction is subtracted from your gross income. Then each portion of remaining taxable income is taxed at its applicable rate through seven brackets from 10% to 37%.
What are FICA taxes?
FICA stands for the Federal Insurance Contributions Act. It funds Social Security (6.2% on wages up to $168,600) and Medicare (1.45% on all wages, plus an additional 0.9% on wages above $200,000).
Which states have no income tax?
Nine US states do not tax wage income: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming.
How accurate is this calculator?
This calculator provides a simplified estimate using 2026 federal tax brackets and standard deductions. It uses a flat-rate approximation for state taxes and does not account for itemized deductions, tax credits, or retirement contributions.