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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.
단계별 가이드
- 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)
풀어진 예시
입력
$75,000 salary, single, California
결과
~$54,000 take-home ($4,500/month)
~28% effective total tax rate
입력
$75,000 salary, single, Texas (no state tax)
결과
~$58,000 take-home ($4,833/month)
~22% effective total tax rate