Does this calculator include state income tax?

No. This tool covers federal income tax, Social Security (6.2%), and Medicare (0.9% additional Medicare tax applies above $200,000). State and local taxes vary widely and are not included. Your actual take-home pay will be lower if your state levies income tax.

Which tax brackets are used?

The calculator uses 2024 federal income tax brackets and standard deductions ($14,600 for single filers, $29,200 for married filing jointly, $21,900 for head of household). Taxable income = gross income minus pre-tax deductions minus the standard deduction.

What are pre-tax deductions?

Pre-tax deductions are amounts withheld from your paycheck before taxes are calculated — for example, traditional 401(k) contributions, health insurance premiums, or FSA contributions. They reduce your taxable income and therefore lower your tax bill.

Is Social Security tax capped?

Yes. For 2024 the Social Security wage base is $168,600. You pay 6.2% only up to that amount. Income above $168,600 is not subject to Social Security tax, though Medicare tax (1.45%) continues with no cap.

Why does my actual paycheck differ from this estimate?

This is an estimate. Actual withholding depends on your W-4 elections, employer-specific deductions, state and local taxes, post-tax deductions (Roth 401k, garnishments), and other factors not captured here.

Take Home Pay Calculator

Name: Take Home Pay Calculator
Availability: InStock
Author: Nham Vu

Enter your gross salary and pay frequency to instantly see your estimated federal taxes, FICA deductions, and net take-home pay.

Your Pay Details

Gross Annual Salary ($)

Pay Frequency

Federal Filing Status

Annual Pre-Tax Deductions ($) (401k, health, FSA…)

Per Paycheck Estimate

Gross Pay

—

Net Take-Home

—

Annual Breakdown

Gross Annual Salary —

Pre-Tax Deductions —

Standard Deduction —

Federal Taxable Income —

Federal Income Tax —

Social Security (6.2%) —

Medicare (1.45%) —

Additional Medicare (0.9%) —

Annual Net Take-Home —

Effective Tax Rate

—

Federal income tax as a percentage of gross salary (excludes FICA).

Summary

Enter your gross salary and pay frequency to instantly see your estimated federal taxes, FICA deductions, and net take-home pay.

How it works

Enter your gross annual salary or per-paycheck gross amount.
Select your pay frequency (weekly, bi-weekly, semi-monthly, or monthly).
Choose your federal filing status (single, married filing jointly, or head of household).
Optionally enter pre-tax deductions such as 401(k) or health insurance contributions.
Read the breakdown panel to see federal tax, Social Security, Medicare, and your net pay.

Use cases

Estimating how much of a job offer you will actually take home each paycheck.
Comparing net pay across different salaries during a job search.
Planning a personal budget based on real after-tax income.
Understanding how a raise or bonus affects your take-home pay.
Checking how pre-tax deductions like a 401(k) reduce your taxable income.
Teaching employees or students about payroll deductions.

Frequently Asked Questions

Last updated: 2026-06-25 · Reviewed by Nham Vu