US Take-Home Pay Calculator

Calculate US Take-Home Pay step by step: Take-home = gross − federal income tax − Social Security (6.2% up to the wage base) − Medicare (1.45%).

In short

Formula: Take-home = gross − federal income tax − Social Security (6.2% up to the wage base) − Medicare (1.45%).

Complete the required fields to see the result.

What this calculator does

Calculate US Take-Home Pay step by step: Take-home = gross − federal income tax − Social Security (6.2% up to the wage base) − Medicare (1.45%). Worked example, questions and limitations included.

Use it to turn Gross annual salary, Filing status into a checked result you can compare, copy, or rerun with different assumptions.

The page shows the formula, a numeric worked example, and the assumptions that affect this tax calculation.

Inputs and what they mean

Gross annual salary: — number value.
Filing status: — choice value.

How to use it

Enter each value in the unit shown next to the box (use the unit converter first if your numbers are in other units).
Check the breakdown to see every intermediate step.
Read the limitations before relying on the result.

Formula

Federal income tax per IRS Rev. Proc. 2024-40 (tax year 2025); FICA rates from the SSA — Social Security 6.2% up to $176,100 in 2025, Medicare 1.45% uncapped.

Additional Medicare Tax (0.9% above $200,000) is not modelled.

Pre-tax benefits (401(k), health premiums) and state tax are not included.

Take-home = gross − federal income tax − Social Security (6.2% up to the wage base) − Medicare (1.45%).

Inputs used: Gross annual salary, Filing status.

Worked example

Single filer, $80,000

Federal tax = $9,214 (see US income tax calculator).
Social Security = 80,000 × 6.2% = $4,960; Medicare = 80,000 × 1.45% = $1,160.
Take-home = 80,000 − 9,214 − 4,960 − 1,160 = $64,666, about $5,389 a month.

Reading the result

The headline figure is the main answer. Any breakdown underneath shows the parts that make it up, so you can check the working and see what changes when you adjust an input.

Limitations and assumptions

Tax year 2025 only.
No state tax, pre-tax benefits or Additional Medicare Tax.
Estimate, not a withholding calculation.
Not tax advice.
Estimates from official published rates for the stated tax year only. They ignore credits, deductions other than the standard deduction, and state or local taxes. Not tax advice — check with a qualified tax professional.

Common questions

Why is my real paycheck different?

Real paychecks also withhold state tax, pre-tax benefits like 401(k) and health insurance, and use withholding tables rather than exact annual tax. Check the formula, example, and limitations on this page before using the result for a real tax decision.

Is the Social Security cap included?

Yes — Social Security stops at the 2025 wage base of $176,100. Check the formula, example, and limitations on this page before using the result for a real tax decision.

Does it include the Additional Medicare Tax?

No. The extra 0.9% on earnings above $200,000 is not modelled.

How do I use the US Take-Home Pay Calculator?

Enter the required values for Gross annual salary, Filing status. The calculator applies the formula on this page and shows the main result with any supporting breakdown so you can check the arithmetic.

What formula does the US Take-Home Pay Calculator use?

Take-home = gross − federal income tax − Social Security (6.2% up to the wage base) − Medicare (1.45%). The visible formula section above lists the calculation path and the edge cases the page handles, so the result can be checked without relying on the form alone.

Can the US Take-Home Pay Calculator be used for exact decisions?

Use it as a calculation aid, not as a substitute for checking the underlying rule, contract, policy, or professional advice that applies to your situation. When a result depends on local rules, personal details, prices, or dates, enter those values yourself and confirm them before acting.