Take-Home Pay Calculator
Find out exactly how much you keep after federal and state taxes. Instant net pay calculation.
Your Information
Enter your salary above to see your take-home pay
Frequently Asked Questions
SalaryTools Pro Research Team
Compensation ResearchOur research team specializes in compensation analysis and tax research, covering salary benchmarks, payroll tax policy, and compensation strategy across all US states.
Advertisement
What This Calculator Does
This take-home pay calculator estimates your net annual, monthly, biweekly, and hourly income after all mandatory taxes. Select your state to include state income tax, which varies significantly across the US — from 0% in states like Texas and Florida to over 13% in California.
How It Works
- Federal income tax — calculated using 2026 IRS tax brackets with standard deduction
- State income tax — based on each state's current effective rate for your income level
- Social Security — 6.2% on earnings up to $176,100 (2026 wage base)
- Medicare — 1.45% on all earnings (plus 0.9% on earnings over $200,000)
Example Calculation
A single filer earning $85,000/year in New York takes home approximately:
- Federal tax: ~$12,400
- State tax (NY): ~$5,200
- FICA (SS + Medicare): ~$6,500
- Net annual take-home: ~$60,900 (effective rate ~28%)
The same salary in Texas (no state tax) takes home ~$66,100 — a $5,200/year difference just from state.
Why This Matters
Your gross salary and your take-home pay can differ by 20–35%. Building a budget on gross income leads to overspending. Use your take-home figure as the baseline for rent, savings, and monthly expenses — it's the number that actually hits your account.
Advertisement