Take home pay calculator
Calculate your take home pay after federal tax, state tax, Social Security and Medicare. All 50 states covered.
How this calculator works
This calculator estimates your take home pay based on your gross annual salary, filing status, and state of residence. It applies 2024/2025 federal income tax brackets, your state's income tax (if any), and FICA payroll taxes (Social Security and Medicare).
The calculation uses the standard deduction. It does not account for itemized deductions, tax credits (such as the Earned Income Tax Credit or Child Tax Credit), pre-tax retirement contributions (401k, IRA), health insurance premiums paid pre-tax, additional income sources, or local income taxes.
For a more accurate estimate that accounts for your specific situation, consult a qualified tax professional.
States with no income tax
Nine states have no state income tax on wages and salaries: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Residents of these states keep more of their gross pay, though other costs (property tax, sales tax, cost of living) may offset the savings.
Frequently asked questions
About take home pay and federal/state tax.
How do I calculate my take home pay?
Start with your gross annual salary, then subtract federal income tax (using the IRS brackets and standard deduction for your filing status), state income tax (if your state has one), Social Security (6.2% on wages up to $168,600), and Medicare (1.45%, plus a 0.9% surtax on wages above $200,000 single or $250,000 married). What's left is your take home pay. The calculator above does all of this automatically.
What is the federal income tax rate?
The federal income tax is progressive: each dollar of taxable income falls into a bracket with its own rate. For 2024, the brackets for single filers go from 10% (up to $11,600) to 37% (above $609,350). Married filing jointly brackets are doubled at the lower end. Most people pay an effective rate well below their top marginal rate because only the income within each bracket is taxed at that bracket's rate.
Which states have no income tax?
Nine states have no state income tax on wages and salaries: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Residents of these states keep more of their gross pay, though property tax, sales tax and overall cost of living may offset the savings.
What is FICA tax?
FICA stands for Federal Insurance Contributions Act. It's the payroll tax that funds Social Security and Medicare. Social Security is 6.2% of wages up to the annual wage base ($168,600 in 2024). Medicare is 1.45% of all wages with no cap, plus an additional 0.9% surtax on wages above $200,000 (single) or $250,000 (married filing jointly). Total FICA is 7.65% for most workers.
How much is the standard deduction?
For 2024, the federal standard deduction is $14,600 for single filers, $29,200 for married filing jointly, and $21,900 for head of household. The standard deduction is subtracted from your gross income before federal tax brackets are applied. Most filers take the standard deduction rather than itemizing.
Not financial or tax advice
Results from this calculator are estimates and do not constitute financial, tax, or legal advice. Tax law changes frequently and individual situations vary. Consult a qualified tax professional for advice specific to your circumstances.