See your real US take-home pay after all taxes.
Your gross salary and your net pay in the US can differ dramatically depending on which state you live in. This free calculator deducts federal income tax, Social Security, Medicare, and state income tax to show you exactly what lands in your account.
Enter your annual salary, select your state and filing status, then click Calculate for a full breakdown.
US Salary Take-Home Calculator — How It Works
Enter your annual gross salary, select your state and filing status. The calculator instantly shows your monthly and annual take-home pay after federal income tax, Social Security, Medicare and state income tax.
What is FICA?
FICA stands for Federal Insurance Contributions Act. It covers Social Security (6.2% on earnings up to $176,100 in 2026) and Medicare (1.45% on all earnings, plus an additional 0.9% on earnings over $200,000 for single filers).
Which states have no income tax?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming have no state income tax — meaning residents in these states keep significantly more of their paycheck than those in high-tax states like California or New York.
- What is the take-home pay on a $75,000 salary?
- On $75,000 in a no-tax state (e.g. Texas), take-home is approximately $56,500/year after federal tax, Social Security and Medicare. In California, state taxes reduce this further to around $50,800/year.
- What is the standard deduction for 2026?
- The standard deduction for 2026 is $14,600 for single filers and $29,200 for married filing jointly. This is subtracted from gross income before federal tax is calculated.
- Does this include 401k contributions?
- This calculator does not include 401k or other retirement contributions. Pre-tax 401k contributions would reduce your taxable income and increase your take-home pay slightly. Enter your salary before any 401k deductions for the most accurate result.
- What is the difference between gross and net pay?
- Gross pay is your salary before any deductions. Net pay (take-home pay) is what you actually receive after federal income tax, FICA taxes (Social Security and Medicare), and state income tax are withheld. For most Americans, net pay is 70 to 80% of gross pay depending on income level and state.
- What states have no income tax in 2026?
- Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Residents in these states keep significantly more of their paycheque than those in high-tax states like California (up to 13.3%) or New York (up to 10.9%).
- What is the Social Security tax rate?
- The Social Security tax rate for employees is 6.2% on earnings up to the Social Security wage base ($176,100 in 2026). Your employer also pays 6.2% on your behalf. Medicare tax is 1.45% on all earnings with an additional 0.9% on earnings above $200,000 for single filers.