TheJobsMap

USA take-home paycheck calculator

Enter your annual gross salary to see the net paycheck after federal income tax, Social Security, Medicare, state tax and pre-tax deductions. Uses IRS 2025 brackets and the SSA 2025 wage base ($176,100).

Your inputs

Filing status
6%0% to 30% of gross salary
Health, dental, HSA or FSA, transit: anything deducted before both federal and FICA tax.
Pay frequency
Net paycheck
$2,566per biweekly paycheck
$66,709 per year, effective tax rate 27.3%
Take-homeFederal taxSocial Security and MedicareState tax401(k)
Gross salary$100,000
401(k) pre-tax-$6,000
Other pre-tax-$0
Federal income tax-$12,294
Social Security (6.2%)-$6,200
Medicare (1.45%)-$1,450
State income tax (about 9.3%)-$7,347
Net take-home per year$66,709

Tax basis

Standard deduction (2025)$15,000
Federal taxable income$79,000
Total deductions$33,291
Net paycheck$2,566

How the calculation works

Federal income tax

Uses IRS 2025 brackets (Rev. Proc. 2024-40) applied to gross minus 401(k), pre-tax deductions and the 2025 standard deduction ($15,000 single, $30,000 married jointly, $22,500 head of household).

Social Security and Medicare

Social Security is 6.2% on wages up to $176,100 (SSA 2025 wage base). Medicare is 1.45% with no cap, plus a 0.9% additional Medicare tax on wages above $200,000 (single) or $250,000 (married).

State income tax

Uses a single approximate rate per state to keep this fast. Real state tax has its own brackets and credits, so treat this as a ballpark. Nine states have no wage income tax at all.

401(k) and pre-tax deductions

401(k) reduces federal taxable income but not FICA. Pre-tax health or HSA reduces both.

What this does not include

Estimate only. It doesn't model local city or county tax, SDI, tax credits, itemized deductions, RSU withholding, or supplemental-wage flat rates. Check your paystub for the exact numbers.