US Take-Home Pay Calculator
Find out exactly how much your paycheck will be.
Calculate your net salary after Federal, FICA, and State taxes.
Salary Information
Your total yearly income before taxes.
Average state income tax (0% for TX, FL, NV, etc. ~13% for CA).
Estimated Monthly Take-Home Pay
$4,783
Bi-weekly: $2,208
Annual Tax Breakdown
* This calculator provides an estimate based on standard 2026 tax brackets for a Single filer. Actual take-home pay may vary depending on local taxes, 401(k) contributions, and health insurance premiums.
Understanding Your US Paycheck
The salary you negotiate with your employer (Gross Pay) is not the amount that lands in your bank account (Net Pay). The U.S. government requires employers to withhold several taxes from your paycheck. Understanding these deductions is crucial for your personal budgeting.
Common Payroll Deductions
| Tax Type | Description & Rate |
|---|---|
| Federal Income Tax | Progressive tax ranging from 10% to 37% based on your income bracket. |
| Social Security (FICA) | 6.2% up to the annual wage limit (e.g., $168,600). |
| Medicare (FICA) | 1.45% on all earnings, plus an additional 0.9% for high earners. |
| State Income Tax | Varies by state. Nine states have no income tax, while others can be over 10%. |
Frequently Asked Questions
FICA (Federal Insurance Contributions Act) is a U.S. federal payroll tax. It includes a 6.2% Social Security tax and a 1.45% Medicare tax deducted from your gross pay.
The standard deduction reduces the amount of your income that is subject to federal income tax. For 2024/2025, the standard deduction for single filers is around $14,600.
This calculator provides an estimate based on standard tax brackets. Your actual paycheck may differ due to pre-tax deductions like 401(k) contributions, health insurance premiums, or local city taxes.