Take-Home Pay Calculator (US)
Take-home pay (net pay) is gross salary minus all deductions: federal income tax, FICA (Social Security + Medicare), state income tax, and voluntary deductions (401k, health insurance). The effective tax rate is often much lower than the marginal rate.
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Tip: Maximize pre-tax contributions (401k, HSA, FSA) to reduce taxable income. Contributing $23,000 to a 401k saves $5,060 in federal taxes alone at the 22% bracket.
- 1Federal income tax: progressive brackets (10–37% in 2024)
- 2FICA: 6.2% Social Security (on first $168,600) + 1.45% Medicare = 7.65%
- 3State income tax: 0% (TX, FL, WA) to 13.3% (CA top bracket)
- 4Effective tax rate = Total taxes / Gross income (always lower than marginal rate)
$75,000 salary, single, California=~$54,000 take-home ($4,500/month)~28% effective total tax rate
$75,000 salary, single, Texas (no state tax)=~$58,000 take-home ($4,833/month)~22% effective total tax rate
| Taxable Income | Rate | Tax on bracket |
|---|---|---|
| $0–$11,600 | 10% | $1,160 |
| $11,601–$44,725 | 12% | $3,975 |
| $44,726–$95,375 | 22% | $11,143 |
| $95,376–$201,050 | 24% | $25,362 |
| $201,051–$383,900 | 32% | $58,514 |
| $383,901–$487,450 | 35% | $36,260 |
| $487,451+ | 37% | Marginal rate on excess |
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Fun Fact
The top federal marginal rate has ranged from 7% (1913) to 94% (1944 WWII). Today's 37% top rate is historically moderate. The first federal income tax was 3% on incomes over $800 — about $25,000 today.
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