TakeHome Pay
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Take-Home Pay Calculator

Calculate what you take home after federal, state, and FICA taxes, for salary or hourly pay in any US state.

Estimated take-home

$57,677

a year · $2,218 per paycheck

For a $75,000 salary · California · single

Take-home 77%Taxes & deductions 23%

Pay stub

ItemPer paycheckPer year
Gross pay$2,884.62$75,000
Federal income tax− $295.00− $7,670
Social Security (FICA)− $178.85− $4,650
Medicare (FICA)− $41.83− $1,088
California income tax− $113.11− $2,941
CA SDI− $37.50− $975
Take-home pay$2,218.33$57,677

FICA is Social Security plus Medicare.

Estimate based on 2026 federal and California tax rules updated Oct 2026 How we calculate

Your details

$

Gross, before taxes · 40 hrs/week

$36.06 hourly · $1,442 weekly · $2,885 biweekly · $6,250 monthly

More options 401(k), HSA, insurance, withholding…
Deductions & contributionspre-tax
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Insurance & withholdingoptional
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You keep

77¢of every dollar

On average you keep 77¢ of each dollar. Of your next $1,000, you’d keep about $611: the dashed line.

Insights

  • Next $1,000

    Every extra $1,000 you earn adds about $611 to your take-home. The other $389 goes to tax.

  • In Texas

    In Texas the same salary would leave you $3,916 more a year. Texas has no state income tax.

  • 401(k)

    Putting 5% into a 401(k) would save $3,750 a year but lower your take-home by only $2,625.

State comparisons cover income and payroll taxes only; living costs and other taxes differ.

Effective tax rate

23.1%

Total taxes (annual)

$17,323

In 2026, US take-home pay is gross wages less federal income tax across 7 brackets running from 10% to 37%, FICA of 7.65% (6.2% Social Security on the first $184,500 of wages plus 1.45% Medicare), and any state income tax. The federal standard deduction is $16,100 for single filers and $32,200 for married couples filing jointly.

How we calculate your take-home pay

We break down your gross income step by step to show exactly where your money goes.

  • Pre-tax deductions: 401(k), HSA, FSA, and commuter benefits reduce your taxable income, lowering your tax bill.
  • Federal taxes: Progressive tax brackets based on your filing status and income level.
  • State taxes: Applied based on your state of residence using current brackets and rates.
  • FICA taxes: Social Security (6.2% up to the wage base) and Medicare (1.45% base, plus 0.9% for high earners).
  • Post-tax deductions: Health insurance, dental, vision, and other benefits subtracted after taxes.

The result is your net take-home pay: the actual amount you'll receive in your bank account.

Frequently Asked Questions

We use current federal and state tax brackets, FICA rates, and standard deductions for 2024-2026. The calculator includes federal income tax, Social Security (6.2%), Medicare (1.45% + 0.9% for high earners), and state income tax where applicable.

Yes. The calculator includes state income tax for all 50 states plus Washington DC. States without income tax (like Texas, Florida, and Washington) are correctly handled.

Pre-tax deductions like 401(k), HSA, FSA, and commuter benefits reduce your taxable income, which lowers your tax bill and increases your take-home pay. The calculator accounts for these in both federal and state tax calculations.

Gross pay is your total earnings before deductions. Take-home pay (net pay) is what you receive after federal taxes, state taxes, FICA taxes, and other deductions like health insurance or retirement contributions.

Overtime is paid at 1.5x your regular rate. While this increases your gross pay, it may push you into higher tax brackets. You'll still take home more money, but the percentage of each overtime dollar may be slightly lower due to progressive tax brackets.

Yes. The calculator supports weekly, bi-weekly, semi-monthly, and monthly pay frequencies. It automatically adjusts calculations based on your selected frequency.

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