Take-Home Pay Estimator
See what's actually left after federal tax, state tax, Social Security, and Medicare — for any of the 50 states.
Income
What actually comes out of your paycheck
Enter your gross salary and state, and this estimates federal income tax (using current marginal tax brackets), state income tax, Social Security (6.2%), and Medicare (1.45%) withholding, then shows what's left — per year and per paycheck. Pre-tax deductions like 401(k) contributions reduce the income both federal and state tax are calculated on.
About the state tax estimate
Nine states — Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, Wyoming, and New Hampshire — charge no state income tax on wages. For the rest, this uses a single blended-rate approximation rather than each state's exact bracket structure, so treat it as a planning estimate and check your state's official withholding tables for precision.
Also useful: Paycheck Allocator and Budget Calculator.
Frequently asked questions
Actual paycheck withholding also depends on your W-4 elections, local taxes, health insurance premiums, and other benefits deductions — state tax here is a blended-rate approximation, not your state's exact bracket structure.
FICA (Federal Insurance Contributions Act) funds Social Security and Medicare — 6.2% and 1.45% of gross wages respectively, matched by your employer. Social Security tax stops applying above an annual wage cap that adjusts yearly; Medicare tax has no cap.
Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, Wyoming, and New Hampshire charge no state income tax on wages.