Free Take Home Pay Calculator - Calculate Net Salary
Calculate your net pay after taxes and deductions
Income Information
Your total annual income before taxes and deductions
How often you receive your paycheck
Tax Information
State tax rates vary significantly
Children or other qualifying dependents
Enter Your Information
Fill in the fields on the left to calculate your take-home pay
How It Works
Understanding your take-home pay calculation with a real example (using 2025 tax rates)
Example Scenario
Standard deduction for Single in 2025: $15,750.00
Progressive taxation means each dollar is taxed at its bracket rate, not your entire income at the highest rate.
FICA taxes fund Social Security and Medicare programs
Key Takeaways
- Pre-tax deductions reduce your taxable income (401k, HSA, health insurance)
- Standard deduction ($15,750.00) further reduces taxable income
- Federal tax uses progressive brackets - you pay different rates on different portions of income
- FICA taxes (7.65%) apply to gross income regardless of deductions
- In this example, you keep approximately 75.19% of your gross salary
Official IRS Reference Documents
All calculations are based on official 2025 IRS tax rates, brackets, and regulations. The following documents were used as authoritative sources:
IRS Publication 15-T: Federal Income Tax Withholding Methods (2025)
Official withholding tables and percentage methods for calculating federal income tax.
IRS Publication 15: Employer's Tax Guide (2025)
Comprehensive guide for employment taxes including FICA rates and wage caps.
Revenue Procedure 2024-40: Inflation-Adjusted Tax Items for 2025
Official revenue procedure setting tax brackets, standard deductions, and wage caps for 2025.
Data Integrity: All tax rates, brackets, and deductions used in this calculator are sourced directly from official IRS publications. No estimations or third-party data were used. Last verified: October 25, 2025
What is Take Home Pay?
Take home pay, also called net pay or net income, is the amount of money you actually receive in your paycheck after all taxes and deductions are withheld. Our take home pay calculator helps you understand exactly how much money you'll receive from your gross salary.
How the Calculator Works
Our take home pay calculator uses current federal tax brackets, state tax rates, FICA (Social Security and Medicare) calculations, and standard deductions to provide accurate estimates. Simply enter your gross salary, filing status, and state to see your net income.
What Gets Deducted?
Your paycheck includes several deductions: Federal Income Tax (based on IRS brackets), State Income Tax (varies by state), Social Security Tax (6.2%), Medicare Tax (1.45%), and additional withholdings like health insurance or 401(k) contributions if applicable.
Key Features
- • All 50 US states tax calculations
- • Current federal tax brackets
- • FICA (Social Security & Medicare)
- • Multiple filing statuses supported
- • Annual, monthly, and weekly breakdowns
Accuracy & Privacy
Our calculator uses up-to-date tax tables and withholding formulas to provide accurate estimates. All calculations are performed locally in your browser - we never store your salary information or personal data. Your financial privacy is guaranteed.
Why Use Our Take Home Pay Calculator?
Budget Planning
Know your exact take home pay to create realistic budgets and financial plans. Understand how much money you'll actually have available for bills, savings, and expenses each month.
Job Offer Comparison
Compare job offers accurately by calculating the actual take home pay for each position. Different states and salaries can result in very different net incomes even with similar gross pay.
Tax Planning
Understand your tax withholdings and plan for tax season. See how changes in filing status, deductions, or state of residence affect your paycheck and annual tax liability.
All 50 US States Supported
Our take home pay calculator includes accurate tax calculations for all 50 US states, from states with no income tax to those with the highest rates. Get precise estimates no matter where you work!
California
High state tax rates
Texas
No state income tax
New York
Progressive tax brackets
Florida
No state income tax
+ 46 more states with accurate tax calculations
Frequently Asked Questions About Take Home Pay
What is the difference between gross pay and take home pay?
Gross pay is your total salary before any deductions. Take home pay (net pay) is the actual amount deposited in your bank account after federal taxes, state taxes, FICA (Social Security and Medicare), and other deductions are withheld from your paycheck.
How accurate is this take home pay calculator?
Our calculator uses current federal tax brackets from the IRS, state tax rates, and FICA calculations to provide highly accurate estimates. However, actual take home pay may vary slightly based on additional deductions like health insurance, 401(k) contributions, or other employer-specific withholdings.
What is FICA and why is it deducted from my paycheck?
FICA stands for Federal Insurance Contributions Act. It includes Social Security tax (6.2% of wages up to the annual limit) and Medicare tax (1.45% of all wages). These mandatory payroll taxes fund Social Security benefits and Medicare health insurance for retirees and disabled individuals.
Which states have no income tax?
Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Living in these states means your take home pay will be higher compared to states with income tax, all else being equal.
How does filing status affect my take home pay?
Your filing status (Single, Married Filing Jointly, Married Filing Separately, Head of Household) determines your tax brackets and standard deduction amounts. Married Filing Jointly typically results in lower taxes and higher take home pay compared to Single filing status at the same income level.
Why does my actual paycheck differ from the calculator?
Differences can occur due to pre-tax deductions (401k, health insurance, FSA/HSA), additional withholdings you've requested on your W-4, garnishments, union dues, or employer-specific benefits. Our calculator provides estimates based on standard federal and state tax withholdings only.
Can I use this calculator for hourly wages?
Yes! Simply multiply your hourly rate by the number of hours you work per week, then multiply by 52 to get your annual salary. Enter this amount in the calculator to see your estimated take home pay per paycheck.
Important Disclaimer
takehomepaycalculator.app is an independent calculator tool created to help individuals estimate their net income after taxes.
We are not affiliated with, endorsed by, or officially connected to the IRS, any state tax agency, or any government organization.
This calculator provides estimates for informational purposes only. Actual take home pay may vary based on your specific situation, additional deductions, and employer withholdings. For official tax guidance, consult a qualified tax professional or the IRS.
Tax laws and rates change periodically. We strive to keep our calculator updated but recommend verifying current rates for the most accurate information.