Pay & tax
US take-home pay calculator (2025)
Enter your salary, filing status and state, plus any bonus, overtime or 401(k), to see your take-home pay per day, week, month and year.
How it works
The calculator estimates federal and state income tax, Social Security and Medicare from your annual pay. Your filing status sets the federal tax brackets and standard deduction. Enter any traditional 401(k) contributions or other pre-tax deductions separately. Local income taxes and itemised deductions are not included.
Frequently asked questions
Why doesn’t my 401(k) reduce my Social Security and Medicare?
Traditional 401(k) contributions are exempt from federal and state income tax but are still counted as wages for Social Security and Medicare (FICA) purposes. Only certain pre-tax benefits, such as a dependent care FSA or many cafeteria-plan deductions, reduce FICA wages as well.
Which states are covered?
All 50 states and Washington, D.C., using each state’s published brackets or flat rate for 2025. Nine states — Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming — charge no state income tax on wages. Local or city income tax, such as in New York City or parts of Ohio, is not included.
Does this include the Additional Medicare Tax?
Yes. An extra 0.9% Medicare tax applies to wages above $200,000 (single) or $250,000 (married filing jointly), on top of the standard 1.45% Medicare rate.
Is this the same as my paycheck?
It is a close estimate using 2025 federal and state tax tables, the standard deduction, and FICA rules. It does not include every possible credit, local or city tax, or itemized deductions, so your actual paycheck may differ slightly.
What counts as a taxable benefit?
Non-cash pay your employer reports as taxable income, such as personal use of a company car or life insurance above $50,000 of cover. Unlike a 401(k), taxable benefits increase both your income tax and your FICA wages.
Method: published US 2025 federal tax year rates. This is an estimate, not tax advice. How our calculators work.
Official rate sources
These estimates use 2025 rates. Check the year before comparing them with a current payslip.