Take-Home Pay Calculator

About this calculator

Estimates your net (take-home) pay using 2025 federal tax brackets, the standard deduction for your filing status, and current FICA rates (6.2% Social Security up to the $176,100 wage base, 1.45% Medicare on all wages, plus 0.9% additional Medicare on wages above the high-earner threshold). 401(k) contributions and health insurance premiums are treated as pre-tax and reduce your federal taxable income; health and "other" pre-tax deductions also reduce FICA wages, while 401(k) does not. State and local taxes are applied as a flat percentage of your wages after pre-tax deductions. This is an estimate — actual withholding follows IRS tables and state-specific brackets, and it doesn't include credits, bonuses, RSU withholding, or other adjustments.

Field explanations

Gross annual salary

Your total yearly pay before any taxes or deductions.

Pay frequency

How often you're paid. Weekly = 52, biweekly = 26, twice a month = 24, monthly = 12.

Filing status

Determines which federal tax brackets and standard deduction apply (Single: $15,000; MFJ: $30,000; HoH: $22,500 for 2025).

State income tax rate

Flat percentage for state income tax. Look up your top marginal rate or use your state's effective rate. Enter 0 for no-income-tax states.

Local tax rate

City or county income tax (e.g., NYC, Philadelphia). Enter 0 if your area has none.

401(k) contribution

Percent of gross salary going to a traditional pre-tax 401(k). Reduces federal taxable income but not FICA.

Health insurance / period

Dollar amount deducted from each paycheck for medical, dental, or vision premiums. Reduces both federal taxable income and FICA wages.

Other pre-tax deductions / period

HSA, FSA, commuter, or other pre-tax items per paycheck. Treated like health premiums.