Estimate your after-tax income with 2025 federal tax brackets and state income tax rates for all 50 US states plus DC.
How Take-Home Pay Is Calculated
Your take-home pay is your gross salary minus all mandatory deductions: federal income tax, state income tax, Social Security, and Medicare (FICA). The calculation uses progressive federal tax brackets, meaning only income within each bracket is taxed at that rate.
Take-Home Pay = Gross Salary - Federal Tax - State Tax - Social Security - Medicare
Federal Tax: Progressive brackets from 10% to 37%
Social Security: 6.2% on first $176,100
Medicare: 1.45% on all income + 0.9% on income over $200,000
Standard Deduction (2025)
Single: $15,700
Married Filing Jointly: $31,400
Frequently Asked Questions
Take-home pay (net pay) is the amount you actually receive in your paycheck after all deductions. This includes federal income tax, state income tax, Social Security (6.2%), and Medicare (1.45%). It does not include voluntary deductions like 401(k) contributions or health insurance premiums.
For most Americans, total tax deductions (federal + state + FICA) range from 20% to 35% of gross income. The exact percentage depends on your income level, filing status, and state of residence. States like Texas, Florida, and Washington have no state income tax.
Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. New Hampshire taxes only interest and dividend income (phasing out by 2027).
Married Filing Jointly generally results in lower taxes because the tax brackets are roughly double those for single filers, and the standard deduction is higher ($31,400 vs $15,700 for 2025). This can save thousands per year.
FICA stands for Federal Insurance Contributions Act. It funds Social Security (6.2% on income up to $176,100) and Medicare (1.45% on all income, plus 0.9% surtax on income over $200,000). Your employer also pays a matching amount.
Differences can arise from pre-tax deductions (401k, HSA, health insurance), local/city taxes, additional withholding allowances, or tax credits. This calculator provides a baseline estimate using standard deductions.
Uses 2025 federal tax brackets with the standard deduction, simplified state income tax rates, and FICA (Social Security + Medicare). Does not include local taxes, pre-tax deductions, or tax credits.