Which tax brackets does this page use?

The default calculator applies a simplified table built on the 2024 US federal single-filer brackets: 10% to $11,600, 12% to $47,150, 22% to $100,525, then a top 37% band. The real 2024 schedule has 24%, 32% and 35% brackets between $100,525 and $609,350, which this simplified table collapses into 37% — so estimates for incomes above $100,525 run high. The country versions apply their own illustrative bracket tables instead.

Do tax brackets change every year?

Yes — the IRS adjusts federal bracket thresholds for inflation annually, and other countries revise theirs in national budgets. The figures here are the 2024 boundaries, so later tax years will differ by a few percent. Always check the current-year tables from your tax authority before making decisions.

Does it include Social Security and Medicare (FICA)?

No. The tool estimates income tax only, but a real US paycheck also loses 6.2% to Social Security (up to the annual wage base) and 1.45% to Medicare (2024 rates) — about 7.65% of gross for most employees. Add that on top of the income tax shown to get closer to reality.

Does it include state income tax or deductions?

No on both counts. State and local income taxes range from zero in a handful of states to double-digit top rates elsewhere, and none of that is modeled. The tool also applies the brackets to your full gross salary — the 2024 federal standard deduction of $14,600 for single filers is not subtracted, and neither are 401(k) contributions or insurance premiums, all of which would lower the actual tax.

What is the difference between marginal and effective tax rate?

Your marginal rate is the rate on your last dollar earned, while the effective rate is total tax divided by total income. In the $60,000 example the marginal rate is 22% but the effective rate is only 13.76%, because the first slices of income are taxed at 10% and 12%. A raise never reduces your take-home — only the dollars inside the higher bracket are taxed at the higher rate.

Why is my actual paycheck different from this estimate?

Several forces pull in both directions: FICA, state tax and benefit premiums make the real check smaller, while the standard deduction and pre-tax contributions make the income tax itself smaller than shown. Employer withholding also depends on your W-4 and pay frequency, so per-paycheck amounts differ from the annual liability. Treat this as a rough annual planning figure, not a payroll preview.

Is my salary uploaded?

No — the estimate is computed in your browser and nothing you enter is sent to a server.

Take-Home Pay Calculator

Estimate take-home pay after income tax from a gross salary.

Runs in your browser — files never leave your device

Gross annual salary$

Annual take-home

$51,747

Monthly take-home

$4,312.25

Income tax

$8,253

Estimates income tax only. Local levies, social security and deductions vary.

How it works

Enter a gross annual salary and the tool estimates income tax with a progressive bracket table, then shows the annual and monthly take-home that remains. This default page uses a simplified table based on the 2024 US federal single-filer brackets: 10% on the first $11,600, 12% up to $47,150, 22% up to $100,525, and 37% above that. Note the simplification — the real 2024 schedule’s 24%, 32% and 35% brackets are collapsed into the top band, so results above $100,525 overstate federal tax.

The tax is progressive: each slice of income is taxed at its own bracket rate, and the slices are added up. A worked example at the default $60,000 salary:

10% × $11,600 = $1,160
12% × $35,550 (from $11,600 to $47,150) = $4,266
22% × $12,850 (from $47,150 to $60,000) = $2,827

Total estimated tax is $8,253, leaving an annual take-home of $51,747, or $4,312.25 a month. That is an effective rate of 13.76% even though the marginal rate — the rate on the next dollar earned — is 22%.

Know what the estimate leaves out. The brackets are applied to the full gross salary, so the 2024 standard deduction ($14,600 for single filers) is not subtracted — that pushes the estimate high. In the other direction, FICA is excluded: Social Security (6.2% up to the wage base) and Medicare (1.45%) take roughly another 7.65% of a US paycheck, and state or local income tax, 401(k) contributions and insurance premiums reduce the real deposit further. The country versions below swap in that country’s bracket table and currency.

Country versions: United States, United Kingdom, Canada, Australia.

Estimates only — brackets change every tax year and payroll deductions vary by state, employer and filing status. Not tax advice.

Frequently asked questions

Which tax brackets does this page use?: The default calculator applies a simplified table built on the 2024 US federal single-filer brackets: 10% to $11,600, 12% to $47,150, 22% to $100,525, then a top 37% band. The real 2024 schedule has 24%, 32% and 35% brackets between $100,525 and $609,350, which this simplified table collapses into 37% — so estimates for incomes above $100,525 run high. The country versions apply their own illustrative bracket tables instead.
Do tax brackets change every year?: Yes — the IRS adjusts federal bracket thresholds for inflation annually, and other countries revise theirs in national budgets. The figures here are the 2024 boundaries, so later tax years will differ by a few percent. Always check the current-year tables from your tax authority before making decisions.
Does it include Social Security and Medicare (FICA)?: No. The tool estimates income tax only, but a real US paycheck also loses 6.2% to Social Security (up to the annual wage base) and 1.45% to Medicare (2024 rates) — about 7.65% of gross for most employees. Add that on top of the income tax shown to get closer to reality.
Does it include state income tax or deductions?: No on both counts. State and local income taxes range from zero in a handful of states to double-digit top rates elsewhere, and none of that is modeled. The tool also applies the brackets to your full gross salary — the 2024 federal standard deduction of $14,600 for single filers is not subtracted, and neither are 401(k) contributions or insurance premiums, all of which would lower the actual tax.
What is the difference between marginal and effective tax rate?: Your marginal rate is the rate on your last dollar earned, while the effective rate is total tax divided by total income. In the $60,000 example the marginal rate is 22% but the effective rate is only 13.76%, because the first slices of income are taxed at 10% and 12%. A raise never reduces your take-home — only the dollars inside the higher bracket are taxed at the higher rate.
Why is my actual paycheck different from this estimate?: Several forces pull in both directions: FICA, state tax and benefit premiums make the real check smaller, while the standard deduction and pre-tax contributions make the income tax itself smaller than shown. Employer withholding also depends on your W-4 and pay frequency, so per-paycheck amounts differ from the annual liability. Treat this as a rough annual planning figure, not a payroll preview.
Is my salary uploaded?: No — the estimate is computed in your browser and nothing you enter is sent to a server.

Take-Home Pay Calculator

How it works

Frequently asked questions

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