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Salary & HRpayrollUnited States only

Take-Home Pay Calculator

Take-home pay per paycheck from a gross salary, with federal tax, FICA and state tax separated. FICA is the part people forget, and it is charged from the first dollar with no deduction in front of it.

Also called: paycheck calculator, net pay calculator, salary after tax.

$
%
$
Tax year
Take-home per paycheck
$3,034.65

$3,034.65 per paycheck, $78,901.00 a year. Of your $100,000 salary, $21,099.00 goes to tax, which is 21.1% of gross.

Annual take-home
$78,901.00
Federal income tax
$13,449.00
Social Security and Medicare
$7,650.00
State income tax
$0.00
Total withheld
$21,099.00
Total as a share of gross
21.1%
Federal taxable income
$84,250.00
Federal marginal rate
22%
How this is calculated

Computed from the published rates for the tax year you selected, which is not necessarily the current year. A calculation, not tax advice, and it does not know anything about your circumstances beyond the figures entered.

Where the salary goes

Total$100,000.00
Take home $78,901 (79%)Federal $13,449 (13%)FICA $7,650 (8%)

Per paycheck

LinePer paycheckAnnual
Gross pay$3,846$100,000
Pre-tax deductions$0$0
Federal income tax-$517-$13,449
Social Security-$238-$6,200
Medicare-$56-$1,450
State income tax$0$0
Net pay$3,035$78,901
Method and background

This is what the calculation gives for the numbers you entered. It is an estimate, not advice, and it knows nothing about your situation beyond those numbers. Rules for United States change on a published schedule; the effective date is shown on every rule-based tool.

How this is calculated

Pre-tax deductions come out first and reduce federal taxable income. The standard deduction then applies, and the remainder runs through the bracket table. FICA is charged separately on gross wages with no standard deduction at all, which is why a low earner can pay more in FICA than in income tax. State income tax varies from nothing to over ten percent and is entered as a rate rather than looked up, because there are fifty different rules and several of them are themselves progressive.

net = salary - federal tax - state tax - FICA - pre-tax deductions
S
Gross salary (currency)
T_f
Federal income tax (currency)
T_s
State income tax (currency)
FICA
Social Security and Medicare (currency)
D
Pre-tax deductions (currency)

Worked examples

Each of these is asserted on every build. If a change to the engine ever moved one of these answers, the build would fail before the page could print it.

100,000 single, biweekly, no state tax

Gross annual salary
$100,000.00
Filing status
Single
Paid
Every two weeks
State income tax rate
0%
Pre-tax deductions (401k, health)
$0.00
Tax year
Tax year 2025

Take-home per paycheck$3,034.65

Federal from the bracket table; FICA is 7.65% of 100,000, below the wage base

Open this example

a 401k deferral cuts income tax but not FICA

Gross annual salary
$100,000.00
Filing status
Single
Paid
Every two weeks
State income tax rate
0%
Pre-tax deductions (401k, health)
$10,000.00
Tax year
Tax year 2025

Take-home per paycheck$2,734.65

FICA runs on gross wages, so it is unchanged; taxable income falls by the full deferral

Open this example

above the Social Security wage base

Gross annual salary
$300,000.00
Filing status
Single
Paid
Monthly
State income tax rate
0%
Pre-tax deductions (401k, health)
$0.00
Tax year
Tax year 2025

Take-home per paycheck$17,899.75

SS caps at 176,100 * 6.2% = 10,918.20; Medicare 4,350 on all of it; additional 900 over the 200,000 threshold

Open this example

Method and limits

What it assumes

  • The standard deduction is taken. Itemising changes the federal figure.
  • State tax is applied as a flat rate to the same taxable income, which is right for flat-tax states and approximate elsewhere.
  • No credits are applied.

What it deliberately does not model

  • This is an annual calculation divided into periods, not a replication of IRS withholding tables, so an actual paycheck may differ by a small amount.
  • Local and city income taxes, and state disability or family leave levies, are not included.

Sources

Formula version 1.0.0 · definition 1.0.0 · United States · Report a problem with this calculator

Frequently asked questions

Why is FICA taken from my whole salary?
Because it funds Social Security and Medicare rather than general revenue, and it has no standard deduction in front of it. Social Security stops at an annual wage base; Medicare has no ceiling at all.
Why does my real paycheck differ slightly?
Employers withhold using IRS period tables driven by your W-4, which approximate the annual result rather than dividing it exactly. Over a year the two converge, and the difference is settled on your return.