Take-Home Pay Calculator
Estimate the net pay that actually lands in your account after federal tax, Social Security, Medicare, and state tax.
- Federal income tax
- $8,341.00
- Social Security (6.2%)
- $4,650.00
- Medicare (1.45%)
- $1,087.50
- State tax
- $3,750.00
Estimate based on 2024 federal figures only. Not tax advice — your actual bill depends on credits, deductions, and your state. Check with a tax professional or the IRS before filing.
How it works
The salary an employer offers and the money that hits your account are two very different numbers. Between them sit federal income tax, two payroll taxes, and — in most states — a state income tax. This tool estimates all of them from your gross salary.
It first subtracts the 2024 standard deduction and runs the remainder through the federal brackets for your filing status. Then it adds Social Security at 6.2% (only on the first $168,600 of wages in 2024), Medicare at 1.45% on everything, and whatever flat state percentage you enter.
What's left is your take-home pay, shown per year, per month, and per two-week pay period. The breakdown underneath tells you exactly where each dollar of the gap went, so a $75,000 offer stops feeling like a mystery once the deductions are laid out.
Frequently asked questions
Why is my take-home so much lower than my salary?
Between federal income tax, Social Security, Medicare, and state tax, a big chunk comes out before you ever see it. On a mid-range salary that can easily be a quarter to a third of the total, which is why the offer number and the deposit number rarely match.
What's the Social Security wage base?
It's the income ceiling for the 6.2% Social Security tax. In 2024 it's $168,600 — earnings above that aren't subject to the Social Security portion. Medicare's 1.45% has no such cap and applies to your whole salary.
How do I handle state tax here?
Enter your state's rate as a flat percentage. That's a simplification — many states have their own brackets and deductions — but it gets you a reasonable ballpark. If your state has no income tax, just set it to zero.