US Take-Home Pay Calculator
United States
Take-home pay calculator
Estimate annual and monthly net pay with static federal, state, and FICA assumptions. Select filing status and state to see a quick net view.
Enter your details
Annual net pay
$53,848
After federal, state, and FICA
Monthly net pay
$4,487
Annual net divided by 12
Estimated deductions
$31,153
Total federal + state + FICA
What this calculator does
This tool provides a fast, privacy-first estimate of your take-home pay in the United States by applying simplified federal, state, and FICA assumptions to your gross salary. It outputs annual and monthly net pay so you can quickly assess budgets and compare offers without entering sensitive personal data.
Who should use this calculator
Use this calculator if you are negotiating salary, planning household finances, or comparing offers across states and filing statuses. It is intended for employees, contractors estimating after-tax take-home, and anyone needing a quick paycheck approximation rather than a full payroll breakdown.
How this calculator works
We start with the gross annual salary, apply a simplified effective federal rate based on filing status, add a state-level effective rate (which may be zero), and apply a standard 7.65% FICA assumption for Social Security and Medicare. This simplified model trades precise bracket-level calculations for speed and clarity; it does not pull real-time tax tables.
How to interpret your result
The net pay shown is an approximation. Annual and monthly figures are useful for budgeting; they do not account for pre-tax deductions (401(k), HSA), employer-side benefits, or itemised tax credits. For a closer estimate, subtract pre-tax contributions from gross salary before using this tool or use a dedicated payroll service for exact withholding values.
Example
For example, a single filer earning $80,000 in a state with a typical effective state tax might see a simplified net annual take-home near $60,000 after federal, state and FICA assumptions—roughly $5,000 monthly. Actual outcomes depend on itemized deductions, dependents, and pre-tax contributions.
Limitations & disclaimer
This calculator gives indicative results only and is not tax or payroll advice. It omits detailed bracketed calculations, local taxes, and specific withholding allowances. For precise withholding and paystub reconciliation consult payroll, your tax advisor, or use official IRS/state tax calculators.
FAQs
Are these tax rates exact?
They use static, blended rates for quick estimates (federal, state, and FICA). For precise brackets and deductions, reference your latest paystub or IRS/state tables.
Does this include pre-tax deductions?
No. Enter your gross annual salary. If you contribute to 401(k) or pre-tax benefits, subtract those from salary before calculating to see a closer net.
How is state tax handled?
Each state gets a flat, static rate. States with no income tax are set to 0%. Others use a typical effective rate, not a full bracketed model.
Is FICA capped?
This simple view applies the 7.65% FICA rate to the full salary for ease of comparison.