Take-Home Pay Calculator
Annual net income estimate after federal tax and FICA (employee side).
Configure your scenario
Enter gross income and filing status for a take-home estimate.
$100,000
$21,099
$78,901
Detailed estimate
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Take-home pay — quick answers
What is take-home pay?+
Take-home pay is the amount you actually receive after all deductions are subtracted from your gross pay. This includes federal income tax, Social Security, Medicare, and any state or local taxes. It is also called net pay.
How much of my salary do I actually take home?+
Most US workers take home between 65% and 80% of their gross salary, depending on income level, filing status, and state taxes. Higher earners lose a larger percentage to progressive federal brackets. Use the calculator above for your specific estimate.
What deductions reduce take-home pay?+
Mandatory deductions include federal income tax, Social Security (6.2%), and Medicare (1.45%). Many workers also have state income tax, health insurance premiums, 401(k) contributions, and other voluntary deductions subtracted before receiving their paycheck.
How is take-home pay different from gross pay?+
Gross pay is your total earnings before any deductions. Take-home pay is what remains after taxes and other withholdings. For example, a $100,000 gross salary might yield roughly $75,000 in take-home pay for a single filer with no state tax.
Why is my take-home pay so low?+
Common reasons include higher federal tax brackets on income above certain thresholds, FICA taxes adding 7.65%, state income tax (up to 13.3% in California), and voluntary deductions like retirement contributions and insurance premiums. Review your pay stub for a line-by-line breakdown.
Official references
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Paycheck calculator
Use paycheck math as the base of your employee tax path.
Take-home pay
Turn withholding into net-pay planning for the same scenario.
W-4 withholding
Adjust the withholding step after reviewing pay and refund outcomes.