Take-home pay is gross salary minus taxes and mandatory deductions. Use this calculator to estimate net pay and effective tax rate from your salary.
Runs in your browser · No data stored · No signup
Take-home pay = gross salary minus income tax (calculated from progressive brackets), minus mandatory deductions like Social Security and Medicare (US). Effective tax rate = total tax / gross income.
Tax estimates use simplified bracket formulas and standard deductions — not a substitute for a payroll provider, accountant, or official tax authority. Actual withholding depends on your filing status, deductions, credits, and local rules.
Loading tool…
Take-home pay (net pay) is what remains after your employer withholds income taxes, Social Security, Medicare, and any other mandatory deductions from your gross salary.
**How income tax works (US example):**
The US uses a progressive tax system — different portions of your income are taxed at different rates (brackets). Only income within each bracket is taxed at that rate, not your entire salary. For example, at a $75,000 salary in 2025:
• First $11,925: taxed at 10% = $1,192.50
• $11,926–$48,475: taxed at 12% = $4,386
• $48,476–$75,000: taxed at 22% = $5,835.28
• Total federal tax: $11,413.78
• Effective rate: ~15.2% (not the marginal 22%)
**Additional US deductions:**
• Social Security: 6.2% on income up to the wage base ($176,100 in 2025)
• Medicare: 1.45% on all income (+ 0.9% surtax above $200,000)
• State income tax: 0% (TX, FL, NV) to ~13% (CA)
This calculator provides estimates using simplified brackets — actual withholding varies by filing status, pre-tax deductions (401k, FSA), and individual circumstances.
Type your annual salary before taxes. Use your offer letter or most recent paycheck gross amount multiplied by pay periods per year.
Choose from US, UK, Canada, Australia, or Custom. Each applies the relevant income tax brackets and standard deductions for that jurisdiction.
The calculator shows take-home pay (annual, monthly, bi-weekly), total tax, effective tax rate, and marginal tax rate. The bracket breakdown shows how much tax is paid in each income band.
Your effective rate is your average tax rate across all income. Your marginal rate is the rate on your next dollar — relevant for deciding on overtime, bonuses, or investment income.
Input
$75,000 gross · Single · US federal onlyOutput
Tax: ~$11,413 federal · Effective rate: ~15.2% · Take-home: ~$63,587 (before FICA and state)10% on first $11,925 = $1,192. 12% on $11,926–$48,475 = $4,386. 22% on $48,476–$75,000 = $5,835. FICA adds ~$5,738. Real take-home after federal + FICA: ~$57,849 (before state tax).
Input
£50,000 · UK standard allowanceOutput
~£12,570 tax-free · 20% on £12,571–£50,270 · ~£8,232 income taxUK personal allowance (£12,570) is tax-free. 20% basic rate on £37,700 = £7,540. National Insurance adds ~8–12% on earnings above £12,570.
Common real-world scenarios where this tool saves time.
Compare take-home pay from two job offers with different salaries to understand the real difference after tax — a $10,000 raise may net $6,000–$7,500 after federal and state taxes.
Set up a household budget based on actual monthly take-home pay rather than gross salary — a common mistake that leads to overspending.
Enter the salary you are negotiating to see the real monthly difference — useful for framing counteroffers and evaluating benefits trade-offs.
Compare take-home pay in a no-income-tax state (TX, FL) vs. a high-tax state (CA, NY) for the same salary — the difference can be $5,000–$15,000+ per year.
Step-by-step chains that connect related tools for common tasks.
Compare monthly take-home before accepting an offer.
Progressive federal tax rates for 2025 after standard deduction.
| Taxable income | Tax rate | Tax in this band |
|---|---|---|
| $0 – $11,925 | 10% | $0 – $1,192 |
| $11,926 – $48,475 | 12% | $0 – $4,386 |
| $48,476 – $103,350 | 22% | $0 – $12,072 |
| $103,351 – $197,300 | 24% | $0 – $22,548 |
| $197,301 – $250,525 | 32% | $0 – $17,031 |
| $250,526 – $626,350 | 35% | $0 – $131,512 |
| Over $626,350 | 37% | — |
Rates apply to taxable income after standard deduction ($15,000 for single filers in 2025). Verify current brackets at irs.gov.
Advertisement
The marginal rate is the tax rate on your highest dollar of income — for a $100,000 earner in 2025, that is 22% federal. The effective rate is the average rate across your entire income — typically 12–18% for the same income after the lower brackets. Budget and compare salaries using effective rate; use marginal rate when evaluating overtime, bonuses, or IRA contributions.
In the US, FICA taxes take 7.65% of gross wages: Social Security is 6.2% on income up to the annual wage base ($176,100 in 2025), and Medicare is 1.45% on all wages. Self-employed workers pay both the employee and employer share — 15.3% total — but can deduct half as a business expense.
No — the US uses progressive brackets. Only income within each range is taxed at that rate. Being in the 22% bracket does not mean you pay 22% on your whole salary. Only dollars above the 12% bracket ceiling and below the 22% bracket ceiling are taxed at 22%.
Gross salary − federal income tax (from brackets) − FICA (Social Security + Medicare) − state income tax − any voluntary pre-tax deductions (401k, health insurance) = net take-home pay. This calculator handles the first three; pre-tax deductions vary by employer.
This calculator uses simplified bracket formulas and standard deductions — providing a good estimate for planning purposes. Actual withholding depends on your W-4 elections, filing status (single, married), pre-tax deductions, tax credits, and any bonuses or supplemental income. For exact withholding, consult your employer's payroll system or a tax professional.
As of 2025, nine US states have no state income tax: Alaska, Florida, Nevada, New Hampshire (interest/dividends only), South Dakota, Tennessee, Texas, Washington, and Wyoming. Moving from California (up to 13.3%) to Texas (0%) on a $100,000 salary saves approximately $7,000–$9,000 per year in state taxes alone.
For tax year 2025 (US): $15,000 for single filers; $30,000 for married filing jointly; $22,500 for head of household. The standard deduction reduces your taxable income before applying brackets. Taxpayers can itemize instead if total itemized deductions exceed the standard deduction.
Bonuses in the US are typically withheld at a flat 22% federal rate (the 'supplemental rate') for amounts under $1 million — or combined with regular wages using the aggregate method. Bonuses are also subject to FICA. The bonus increases your annual income and may push some of that income into a higher bracket for the year.
Salary, filing status, and deduction inputs stay in your browser—they are not uploaded to EverydayTools servers.
Planning estimates only — not tax advice. Consult a CPA or use official tax software for accurate withholding. Financial results are estimates for planning only — not tax, legal, or investment advice. Verify with your employer, institution, or a qualified professional.
Advertisement
Reviewed on 2026-06-08.
Uses simplified 2024/2025 US federal income tax brackets and standard deductions. State and local taxes are not fully included.
When enabled, this adds an estimate of US Social Security and Medicare contributions to your total tax.
Adds a simple estimated state income tax amount. This is a rough approximation and may differ from your actual local or regional taxes.
Enter your gross yearly salary. Negative values are not allowed.
Quick annual salary presets
If your gross salary is $60,000 per year, your estimated take-home pay after tax is about $50,110 per year, or roughly $4,176 per month.
Estimation confidence: Higher?
Salary breakdown
Take Home Pay (Annual)
$50,110
Take Home Pay (Monthly)
$4,176
Total Tax
$9,890
Income Tax Only
$5,300
Estimated Social Contributions
$4,590
Effective Tax Rate
16.5%
Marginal Tax Rate
12.0%
Income breakdown (gross vs tax vs net)
Net income represents approximately 83.5% of your gross salary and tax represents approximately 16.5%.
Tax visualization
This calculator uses simplified 2024/2025 national tax brackets and standard deductions or personal allowances and only rough estimates of local or regional taxes when enabled. It does not include detailed benefits, pensions, or individual deductions. For planning purposes only.
How your income is taxed by bracket
| Income range | Rate | Taxed income | Tax in band |
|---|---|---|---|
| $0 – $11,925 | 10.0% | $11,925 | $1,193 |
| $11,925 – $48,475 | 12.0% | $34,225 | $4,107 |
You fall into the 12.0% marginal tax bracket. This means each additional unit of taxable income is taxed at approximately 12.0%.
Your effective tax rate is the average percentage of your income paid in tax, while your marginal tax rate is the rate applied to your next dollar of income.