US Take-Home Pay Calculator
See your US salary after federal income tax and FICA — monthly, weekly and yearly. Not in the US? See our UK Salary After Tax Calculator instead, or use the auto-detecting hub calculator.
🇺🇸 Federal income tax + FICA — state tax not included
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How the estimate is calculated
This calculator applies 2025 federal tax brackets, from 10% to 37%, after the single-filer standard deduction of $15,000. On top of federal income tax, it adds 7.65% FICA — 6.2% Social Security (up to the annual wage base) and 1.45% Medicare. State income tax is not included, since it varies from 0% to over 13% depending on where you live.
Retirement contributions (401(k), traditional IRA) are deducted before federal tax is calculated, which is why adding a contribution percentage often costs less in take-home pay than it adds to your retirement account.
Worked example — $60,000 salary, no 401(k): after the $15,000 standard deduction, $45,000 is taxable through the federal brackets, giving $5,157 in federal income tax. FICA adds 7.65% of the full $60,000 gross ($4,590 — Social Security 6.2% + Medicare 1.45%; FICA applies to gross pay, not the deduction-reduced figure). Total federal deductions: $9,747. Take-home: roughly $50,253/year, or $4,187/month — before any state income tax.
Take-home pay by salary
Estimated monthly take-home at different gross salaries, no 401(k) contribution, federal tax + FICA only:
| Gross salary (yearly) | Take-home (monthly) | Effective rate |
|---|---|---|
| $40,000 | $2,848 | 14.6% |
| $60,000 | $4,187 | 16.3% |
| $80,000 | $5,389 | 19.2% |
| $100,000 | $6,561 | 21.3% |
These figures are federal tax + FICA only — see the state tax section below for how much lower your real number could be depending on where you live.
Why state tax isn't included
Unlike the UK, where Income Tax and National Insurance are calculated the same way nationwide, US take-home pay depends heavily on which state you live in. Nine states — including Texas, Florida, Washington and Nevada — charge no state income tax at all, while California's top marginal rate exceeds 13%. Because the gap between states is so large, this calculator deliberately shows federal tax + FICA only, so the figure is comparable and consistent regardless of location — add your specific state's rate on top for a complete picture.
Common deductions this doesn't include
This calculator gives you federal income tax and FICA, but a real paycheck usually has more taken off before the money lands in your account. State and local income tax, health insurance premiums, dental and vision plans, and any HSA or FSA contributions are typically deducted from your paycheck before you see it, and none of those are factored in above.
That's why this tool is a starting point, not a paycheck-exact figure. A $60,000 salary with a 6% 401(k) contribution and a $200 monthly health premium will show noticeably less in your actual bank deposit than the "take-home" number here, because those amounts come out on top of federal tax and FICA. The gap between the estimate and your real paycheck is almost always these extra deductions plus state tax, not an error in the federal calculation itself.
Frequently asked questions
How accurate is this US take-home pay calculator?
It's a close estimate using 2025 federal tax brackets and FICA rates. State income tax, local tax, health insurance premiums and other payroll deductions are not included, so your actual paycheck will differ — check your pay stub for the exact figure.
Does this include state income tax?
No. State income tax ranges from 0% (Texas, Florida, and a handful of others) to over 13% (California), so it isn't included in this federal-only estimate. Your real take-home will be lower than shown here if your state charges income tax.
Does this include 401(k) contributions?
Only the percentage you enter in the retirement contribution field is deducted before tax. Employer matching, automatic escalation and other retirement benefits are not included — check your latest pay stub or 401(k) statement for the full picture.
What counts as FICA?
FICA is 7.65% of gross pay: 6.2% for Social Security (up to the annual wage base limit) and 1.45% for Medicare (no cap, plus an additional 0.9% above $200,000 for high earners, not modeled here).
Is there a UK version of this calculator?
Yes — see our UK Salary After Tax Calculator, which uses Income Tax bands and National Insurance instead of federal tax and FICA.
Estimates for information only, not tax advice.