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Salary Calculator

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About Salary Calculator

Our free salary calculator helps you estimate your take-home pay after federal and state taxes. Enter your annual salary, select your filing status, and see exactly how much of your gross income you get to keep. This tool uses 2024 US federal income tax brackets and standard FICA tax rates to provide an accurate paycheck estimate.

Features

How Are Paycheck Taxes Calculated?

Your take-home pay is calculated by subtracting several taxes from your gross income. Federal income tax uses a progressive bracket system — each portion of your income is taxed at a different rate. For 2024, the brackets for Single filers are 10% on income up to $11,600, 12% up to $47,150, 22% up to $100,525, 24% up to $191,950, 32% up to $243,725, 35% up to $609,350, and 37% on income above that. FICA taxes include Social Security at 6.2% on income up to $168,600 and Medicare at 1.45% on all income (plus an additional 0.9% on income above $200,000 for Single filers). State income taxes vary widely by state; this calculator uses an average flat rate of 4.6%. Pre-tax deductions like 401(k) contributions and HSA contributions reduce your taxable income, which can lower your overall tax burden.

Salary Calculator FAQ

How do I calculate my take-home pay?

Start with your gross salary, then subtract federal income tax (based on your tax bracket), Social Security (6.2%), Medicare (1.45%), state income tax (varies), and any other deductions like 401(k) contributions.

What tax bracket am I in?

The US has progressive tax brackets for 2025: 10%, 12%, 22%, 24%, 32%, 35%, and 37%. You do not pay the same rate on all income — only the portion in each bracket is taxed at that rate.

How much should I expect in deductions?

Standard deductions vary by filing status. Expect roughly 20-30% of your gross salary to go to taxes and deductions, depending on your income level and state of residence.

What is the difference between gross and net pay?

Gross pay is your total salary before deductions. Net pay (take-home pay) is what you actually receive after taxes, insurance premiums, retirement contributions, and other withholdings are subtracted.