Does this include Social Security and Medicare?

No. FICA is a separate payroll tax withheld alongside federal income tax, and this tool models income tax only. Both the employee shares of Social Security and Medicare come out of a real paycheck on top of the tax shown here, so your actual deposit is smaller than the take-home figure. Check the current rates and the Social Security wage base with the IRS and add them yourself.

Is state income tax included?

No — the estimate is federal only. Most states levy their own income tax on top, a handful levy none, and rates and brackets differ widely between those that do. That single omission can move take-home by thousands of dollars a year, so look up your own state before relying on the number.

Is the standard deduction applied?

No. The bracket table is applied to your full gross salary, with no standard deduction, itemized deductions or credits subtracted first. Because taxable income is normally lower than gross pay, this pushes the estimated federal tax higher than the amount you would actually owe.

Which filing status do the brackets assume?

Single filer. The 2025 illustrative schedule carried by this build uses single-filer thresholds, so married-filing-jointly, married-filing-separately and head-of-household taxpayers face different bracket boundaries and will get different results. Use the IRS tables for your own status.

What is the difference between my marginal and effective rate?

The marginal rate is the rate charged on your next dollar of income; the effective rate is total tax divided by total income. On the $85,000 example the marginal rate is 22% but the effective rate is 16.18%, because the earlier slices were taxed at 10% and 12%. A raise never reduces your take-home — only the dollars above the threshold are taxed at the higher rate.

Why does my actual paycheck look different?

Several things move it at once. FICA, state and local tax and benefit premiums all shrink the real deposit, while the standard deduction and pre-tax contributions shrink the tax itself. Withholding also depends on your W-4 and how often you are paid, so per-paycheck amounts rarely divide neatly into the annual figure.

Is my salary sent anywhere?

No. The estimate is computed in your browser and nothing you type leaves your device.

United States Take-Home Pay Calculator

Estimate US take-home pay after federal income tax on illustrative 2025 single-filer brackets. FICA, state tax and the standard deduction are not included.

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 in United States.

How it works

Enter a gross annual salary and this page applies a progressive federal bracket table to it, subtracts the resulting income tax, and shows what is left per year and per month. The table this build carries is the illustrative 2025 single-filer schedule: 10% up to $11,600, 12% to $47,150, 22% to $100,525, 24% to $191,950, 32% to $243,725, 35% to $609,350, and 37% above that.

Progressive means each slice of income is taxed at its own rate and the slices are added together — not that your whole salary is taxed at your top rate. The monthly number is simply the annual take-home divided by 12.

Worked example at a gross salary of $85,000. The first $11,600 is taxed at 10% = $1,160. The next $35,550, from $11,600 up to $47,150, is taxed at 12% = $4,266. The remaining $37,850, from $47,150 up to $85,000, is taxed at 22% = $8,327. Total estimated income tax is $13,753, which is 16.18% of gross even though the marginal rate on the next dollar earned is 22%. Take-home is $71,247 a year, or $5,937.25 a month.

Be clear about what that figure is not. It is an income-tax estimate, not a payslip. FICA payroll taxes — Social Security and Medicare — are withheld separately from every US paycheck and are not modeled here. Most states levy their own income tax on top of the federal amount, and a few do not, but no state or local tax is included either way. No deduction or credit is applied: the brackets hit your full gross salary, so the standard deduction is not subtracted, and 401(k) contributions, HSA contributions and insurance premiums are all ignored. Filing status matters too, and the table carried here is single-filer only, so married and head-of-household results will differ.

Your employer does not withhold this number either. Withholding follows the Form W-4 you filed and your pay frequency, so each paycheck carries an estimate of the year’s liability that is trued up when you file a return. Two omissions also pull in opposite directions: leaving out the standard deduction pushes the tax estimate too high, while leaving out FICA and state tax pushes the take-home too high. Use the result to compare offers or sanity-check a salary band, not to predict a deposit.

These are estimates for the 2025 tax year — confirm current brackets and your own withholding with the IRS, your state tax authority or your payroll provider.

Other regions: United Kingdom, Canada, Australia.

Frequently asked questions

Does this include Social Security and Medicare?: No. FICA is a separate payroll tax withheld alongside federal income tax, and this tool models income tax only. Both the employee shares of Social Security and Medicare come out of a real paycheck on top of the tax shown here, so your actual deposit is smaller than the take-home figure. Check the current rates and the Social Security wage base with the IRS and add them yourself.
Is state income tax included?: No — the estimate is federal only. Most states levy their own income tax on top, a handful levy none, and rates and brackets differ widely between those that do. That single omission can move take-home by thousands of dollars a year, so look up your own state before relying on the number.
Is the standard deduction applied?: No. The bracket table is applied to your full gross salary, with no standard deduction, itemized deductions or credits subtracted first. Because taxable income is normally lower than gross pay, this pushes the estimated federal tax higher than the amount you would actually owe.
Which filing status do the brackets assume?: Single filer. The 2025 illustrative schedule carried by this build uses single-filer thresholds, so married-filing-jointly, married-filing-separately and head-of-household taxpayers face different bracket boundaries and will get different results. Use the IRS tables for your own status.
What is the difference between my marginal and effective rate?: The marginal rate is the rate charged on your next dollar of income; the effective rate is total tax divided by total income. On the $85,000 example the marginal rate is 22% but the effective rate is 16.18%, because the earlier slices were taxed at 10% and 12%. A raise never reduces your take-home — only the dollars above the threshold are taxed at the higher rate.
Why does my actual paycheck look different?: Several things move it at once. FICA, state and local tax and benefit premiums all shrink the real deposit, while the standard deduction and pre-tax contributions shrink the tax itself. Withholding also depends on your W-4 and how often you are paid, so per-paycheck amounts rarely divide neatly into the annual figure.
Is my salary sent anywhere?: No. The estimate is computed in your browser and nothing you type leaves your device.

United States Take-Home Pay Calculator

How it works

Frequently asked questions

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