Calculate your actual take-home pay after taxes and deductions. See how much of your salary you'll actually receive in your paycheck after federal and state taxes, FICA, and other deductions.
Your take-home pay is the amount you actually receive in your paycheck after all taxes and deductions are subtracted from your gross salary. Understanding how payroll deductions work helps you budget effectively and maximize your after-tax income.
The difference between gross pay and net pay can be significant, often 20-30% or more depending on your income level, filing status, and deductions. This calculator helps you estimate your actual paycheck amount.
Rates range from 10% to 37% based on tax brackets
Combined employee and employer rate is 12.4%
Additional 0.9% Medicare tax on income over $200,000
| Tax Rate | Single | Married Filing Jointly | Married Filing Separately | Head of Household |
|---|---|---|---|---|
| 10% | $0 - $11,000 | $0 - $22,000 | $0 - $11,000 | $0 - $15,700 |
| 12% | $11,001 - $44,725 | $22,001 - $89,450 | $11,001 - $44,725 | $15,701 - $59,850 |
| 22% | $44,726 - $95,375 | $89,451 - $190,750 | $44,726 - $95,375 | $59,851 - $95,350 |
| 24% | $95,376 - $182,050 | $190,751 - $364,200 | $95,376 - $182,050 | $95,351 - $182,050 |
| 32% | $182,051 - $231,250 | $364,201 - $462,500 | $182,051 - $231,250 | $182,051 - $231,250 |
| 35% | $231,251 - $578,125 | $462,501 - $693,750 | $231,251 - $346,875 | $231,251 - $578,100 |
| 37% | $578,126+ | $693,751+ | $346,876+ | $578,101+ |
| Pay Frequency | Paychecks Per Year | $80,000 Salary | Advantages |
|---|---|---|---|
| Weekly | 52 | $1,538 | Better cash flow, easier budgeting |
| Bi-weekly | 26 | $3,077 | Most common, 2 extra checks some months |
| Semi-monthly | 24 | $3,333 | Consistent amounts, aligns with monthly bills |
| Monthly | 12 | $6,667 | Larger amounts, less frequent processing |
| Tax Type | States | Rate Range | Notes |
|---|---|---|---|
| No State Income Tax | 9 states | 0% | AK, FL, NV, NH, SD, TN, TX, WA, WY |
| Flat Tax Rate | 9 states | 3% - 5% | Same rate regardless of income |
| Progressive Tax | 32 states + DC | 1% - 13.3% | Rates increase with income |
Reduces taxable income and current tax liability
Get more money in each paycheck instead of a big refund
Pay for expenses with pretax dollars
Gross Pay: Your total earnings before any deductions.
Federal Withholding: Estimated federal income tax based on W-4 information.
State Withholding: State income tax (if applicable in your state).
FICA Taxes: Social Security (6.2%) and Medicare (1.45%) taxes.
Net Pay: Your take-home amount after all deductions.
Review W-4 Annually: Major life changes may require withholding adjustments.
Monitor Year-to-Date: Track earnings and deductions to avoid surprises.
Plan for Bonuses: Supplemental wages are often taxed at higher rates.
Estimate Tax Liability: Use calculators to ensure proper withholding.
Single, $60,000 salary: Approximately $46,000-48,000 take-home annually.
Married jointly, $100,000 combined: Approximately $78,000-82,000 take-home annually.
High earner, $200,000+: Marginal tax rates of 32-37% plus additional Medicare tax.