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Net Pay Calculator (Take-Home Pay)
Calculate your take-home pay after federal tax, state tax, Social Security, and Medicare deductions.
Calculate your take-home pay after federal tax, state tax, Social Security, and Medicare deductions.
Frequently Asked Questions
What does this Net Pay Calculator estimate?
It estimates your take-home pay per paycheck and annually by subtracting federal income tax (TY2025 IRS brackets per Rev. Proc. 2024-40), state income tax (applied as a flat rate you enter), Social Security (6.2% on wages up to the SSA TY2026 wage base of $184,500), Medicare (1.45% on all wages), and the Additional Medicare Tax (0.9% on wages above the filing-status-aware threshold), then subtracting your pre-tax deductions. The result is an estimate for educational use only and not tax advice.
How is federal income tax calculated?
The calculator subtracts the TY2025 standard deduction for your filing status ($15,000 single / $30,000 MFJ / $22,500 HoH per Rev. Proc. 2024-40 §3.18) from your gross salary minus pre-tax deductions, then runs the result through the TY2025 piecewise progressive bracket table for your filing status (Rev. Proc. 2024-40 §3.01). It does not itemize deductions, claim credits (CTC, EITC, Saver's), or model the Tip/Overtime/Car/Senior above-the-line deductions added by the One Big Beautiful Bill Act (Pub. L. 119-21).
Why does my filing status matter?
Filing status changes three things: (1) the standard deduction ($15,000 single / $30,000 MFJ / $22,500 HoH), (2) the federal tax brackets — MFJ brackets are roughly double the single-filer brackets so the same income lands in a lower bracket if jointly filed, and (3) the Additional Medicare Tax threshold ($200,000 for single and HoH filers, $250,000 for MFJ per IRC §3101(b)(2)). Selecting the wrong filing status can produce a take-home pay estimate that is off by several thousand dollars per year.
What is the Additional Medicare Tax?
Section 3101(b)(2) of the Internal Revenue Code imposes an additional 0.9% Medicare tax on wages above $200,000 for single filers and Head of Household, or $250,000 for Married Filing Jointly. Employers withhold the additional 0.9% from any employee's wages above $200,000 regardless of filing status, and the IRS reconciles the actual liability on Form 8959 when you file your return. The calculator applies the correct filing-status-aware threshold to estimate your true annual liability.
How does a pre-tax 401(k) contribution affect take-home pay?
Traditional 401(k) contributions reduce your federal and state income tax (the contribution is excluded from your federal taxable wages on box 1 of Form W-2) but they are still subject to Social Security and Medicare (FICA) tax — the contribution is included on box 3 and box 5. The calculator's pre-tax field models the income-tax savings; for a more precise FICA treatment, enter only HSA / §125 cafeteria-plan amounts there rather than 401(k) contributions, which are FICA-taxable. Roth 401(k) contributions are post-tax and do not reduce taxable wages.