Pay & tax
US take-home pay calculator
Enter your salary, filing status and state, plus any bonus, overtime, 401(k) or other pre-tax deductions, to see your take-home pay per day, week, month and year.
How it works
Your take-home pay starts with your gross pay — salary plus any bonus or overtime — then subtracts pre-tax deductions such as a traditional 401(k) or a dependent care FSA before tax is worked out. Federal income tax uses marginal brackets that depend on your filing status, applied to your taxable income after the standard deduction. Most states charge their own income tax on top, using their own brackets or a flat rate, though nine states charge none. Social Security and Medicare (FICA) are calculated separately from income tax, on your wages before a 401(k) reduces them, up to the Social Security wage base.
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 the current tax year. 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 current 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.