Take-home pay calculator
See what actually lands in your bank account. Enter your salary, filing status, and state to estimate your 2025 paycheck after federal tax, Social Security, Medicare, and state tax.
Estimated take-home pay per year
| Gross pay | |
| Federal income tax | |
| Social Security 6.2% | |
| Medicare 1.45% | |
| State income tax | |
| Take-home pay |
Estimate for tax year 2025 using the standard deduction. Federal income tax and FICA are exact. State income tax is an estimate and excludes local city or county taxes. This is not tax advice.
How your take-home pay is calculated
Your gross salary passes through several taxes before it reaches you. This calculator applies the real 2025 rules in order:
- Federal income tax. Your gross pay minus the 2025 standard deduction ($15,000 single, $30,000 married filing jointly, $22,500 head of household) is your taxable income. It is taxed in brackets from 10% to 37%, where only the income inside each band is taxed at that band rate.
- Social Security. 6.2% of wages up to the 2025 wage base of $176,100. Earnings above that are not subject to Social Security tax.
- Medicare. 1.45% of all wages, plus an extra 0.9% on wages above $200,000 (single) or $250,000 (married filing jointly).
- State income tax. Nine states levy no wage income tax. The rest use a flat rate or graduated brackets. This part is an estimate.
Worked example: $75,000 salary, single, no state tax
Taxable income is $75,000 minus the $15,000 standard deduction, or $60,000. Federal tax on that is $8,114 for 2025. Social Security is 6.2% of $75,000, which is $4,650, and Medicare is 1.45%, or $1,088. With no state income tax, total tax is about $13,852 and take-home pay is roughly $61,149 a year, an effective rate near 18.5%.
States with no income tax
Nine states do not tax wage income in 2025: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. In those states your only wage taxes are federal income tax and FICA. Select one above to see the difference.
Frequently asked questions
How much of my paycheck goes to taxes?
For most workers, federal income tax, Social Security (6.2%), and Medicare (1.45%) together take roughly 15% to 30% of gross pay, before any state income tax. The exact share rises with income because federal tax uses graduated brackets. This calculator shows your combined effective rate.
How is federal income tax calculated?
Federal tax is applied to your taxable income, which is your gross pay minus the standard deduction ($15,000 single, $30,000 married filing jointly for 2025). That amount is taxed in bands, or brackets, at rates from 10% up to 37%. Only the income inside each band is taxed at that band rate.
What are FICA taxes?
FICA is the payroll tax for Social Security and Medicare. Social Security is 6.2% of wages up to $176,100 in 2025. Medicare is 1.45% of all wages, with an extra 0.9% on wages above $200,000 (single) or $250,000 (married filing jointly). Your employer pays a matching share separately.
How accurate is the state tax figure?
The state income tax is an estimate. States with no income tax and states with a single flat rate use the exact 2025 rate. States with graduated brackets use published 2025 rates applied to gross wages, and local city or county taxes (such as New York City or Maryland counties) are not included. The federal and FICA figures are exact.
What is not included in this estimate?
This tool covers federal income tax, Social Security, Medicare, and state income tax on wage income taking the standard deduction. It does not model 401(k) or health premium deductions, tax credits, itemized deductions, self-employment tax, or local income taxes. Treat the result as a close estimate, not tax advice.