Net Salary Calculator

Calculate your take-home pay after federal tax, state tax, Social Security, Medicare, and other deductions.

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Enter your values and click Calculate

This net salary calculator estimates your annual take-home pay by subtracting federal income tax, state income tax, Social Security, Medicare, and any additional deductions from your gross salary. Enter each deduction as a percentage of gross salary (or a fixed dollar amount for other deductions), and the calculator returns your net annual, monthly, biweekly, and weekly pay. This calculator uses simplified flat-rate inputs rather than progressive tax brackets, making it best for estimating your effective overall rates rather than computing precise tax liability. For accurate tax liability, use IRS Form W-4 guidance or consult a tax professional. The Social Security tax rate is 6.2% (on wages up to $168,600 in 2026) and Medicare is 1.45% — these rates are fixed by law and should be entered as shown. An additional 0.9% Medicare surtax applies to wages above $200,000, which you can include in the 'other deductions' field if applicable.

How It Works

Each tax is calculated as a flat percentage of gross salary: federal tax amount = gross × (federal rate / 100), state tax = gross × (state rate / 100), Social Security = gross × 0.062, Medicare = gross × 0.0145. Fixed deductions (health insurance, 401k, FSA) are subtracted as-is. Net annual pay = gross salary − all deductions. Monthly = annual / 12, biweekly = annual / 26, weekly = annual / 52. This calculator uses flat effective rates for simplicity. The US federal income tax system is actually progressive (10%, 12%, 22%, 24%, 32%, 35%, 37% brackets), so your true federal tax is lower than applying the marginal rate to your full income. Enter your estimated effective federal rate — roughly 3–5% lower than your marginal bracket — for the most accurate estimate.

Examples

Median US Salary
$60,000 gross, 22% federal, 5% state, standard FICA taxes, $2,400/year in benefits deductions.
Result: Approximately $38,300 net annually, or about $3,192/month take-home.
Texas / No State Tax
$80,000 gross, 22% federal, 0% state tax (TX, FL, WA, NV, etc.), standard FICA, $3,600/year deductions.
Result: Approximately $55,500 net annually, or about $4,625/month take-home.
High Earner — California
$150,000 gross, 28% effective federal, 9.3% California state, standard FICA, $6,000/year deductions.
Result: Approximately $82,600 net annually, or about $6,883/month take-home.

Frequently Asked Questions

What is the difference between gross and net salary?
Gross salary is your total compensation before any deductions — the number on your offer letter or employment contract. Net salary (take-home pay) is what lands in your bank account after federal income tax, state income tax, Social Security (6.2%), Medicare (1.45%), and any pre-tax benefit deductions like health insurance, 401k contributions, and FSA contributions are subtracted. For most Americans, take-home pay is 65–75% of gross salary.
Which states have no income tax?
Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire (taxes interest/dividends only, being phased out), South Dakota, Tennessee, Texas, Washington, and Wyoming. If you live in one of these states, enter 0% for the state tax rate. Note that some states compensate with higher property taxes or sales taxes.
What federal tax rate should I enter?
Enter your effective federal tax rate — not your marginal bracket. Your effective rate is total federal tax paid divided by gross income. For most people in the 22% bracket, the effective federal rate is 14–18% because lower portions of income are taxed at 10% and 12%. The IRS withholding estimator at irs.gov/W4App can help you find your actual effective rate. For a rough estimate: 10% for incomes under $30K, 12–15% for $30K–$55K, 15–18% for $55K–$90K, 18–22% for $90K–$150K.
Are pre-tax deductions (401k, HSA) reflected here?
The 'Other Deductions' field accepts your annual pre-tax deduction amount. Enter your total yearly 401k contributions, health insurance premiums, HSA or FSA contributions, and any other pre-tax benefits. These reduce your taxable income, meaning they also lower your federal and state tax — but this calculator applies taxes to your full gross salary and then subtracts deductions separately, which slightly overstates your tax burden. For a precise calculation accounting for pre-tax deductions reducing taxable income, consider using a full paycheck calculator or tax software.

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