US Take-Home Pay Calculator (2025)
Turn a US salary into take-home pay after federal tax, Social Security, Medicare, state tax and 401k, using 2025 tax brackets.
How US take-home pay is worked out
This calculator follows the real order of taxes. Pre-tax 401k money and health premiums come out first. The standard deduction then lowers taxable income. Federal income tax is charged in slices (brackets) from 10% up to 37%, and only the part of income inside each slice is taxed at that rate. Social Security (6.2% up to the 2025 wage base of $176,100) and Medicare (1.45%, plus 0.9% on high earners) are charged on wages.
Figures used
2025 standard deduction: $15,750 single, $31,500 married filing jointly. 2025 federal brackets for single and joint filers. State tax is a flat percentage you choose, because state rules vary widely; states with no income tax can use 0.
What is not included
Itemized deductions, credits, other income, local taxes, self-employment tax and some state rules are not modelled. Use it for a solid estimate, not a tax return.
Tax year: US 2025. Rates and limits are updated every year. Source: IRS federal tax rates and brackets. Last reviewed November 2026.
Tips and common mistakes
- Raising your 401k % lowers tax now and builds savings.
- Enter 0 for state tax if you live in a no-income-tax state such as Texas or Florida.
- Compare job offers by entering both salaries.
Learn more
Frequently asked questions
Which tax year is this?
2025 federal brackets, standard deduction and Social Security wage base.
Does it include state tax?
Only as a flat rate you enter, since each state differs.
Why is take-home less than salary minus one rate?
US federal tax is progressive: higher slices of income are taxed at higher rates.
Does a 401k reduce my take-home?
Yes by the amount you contribute, but it also lowers your income tax, so the drop is smaller than the contribution.
Is this tax advice?
No. It is an estimate for planning.
Money guides for this topic
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Open calculator →Results are estimates and not financial advice.