After-Tax Salary Calculator
Calculate your exact take-home pay for 2025. See federal, state, FICA, and Medicare taxes — all in seconds, 100% free.
Your Income Information
Enter your salary details to calculate your take-home pay after federal, state, FICA, and Medicare taxes
$2,000 child tax credit per child
Annual Take-Home
$37,654
75.3% of gross
Monthly Take-Home
$3,138
Per month
Total Taxes
$12,347
24.69% effective rate
Hourly After Tax
$18.1
Based on 2,080 hrs/year
Detailed Tax Breakdown
See exactly where your money goes
| Tax Type | Annual | Monthly | % of Income |
|---|---|---|---|
| Federal Income Tax | $3,871.5 | $322.63 | 7.7% |
| State Income Tax | $4,650 | $387.5 | 9.3% |
| FICA (Social Security) | $3,100 | $258.33 | 6.2% |
| Medicare | $725 | $60.42 | 1.5% |
| Total Taxes | $12,346.5 | $1,028.88 | 24.69% |
| Net Take-Home Pay | $37,653.5 | $3,137.79 | 75.3% |
Standard Deduction
$15,750
Taxable Income
$34,250
Marginal Tax Rate
12.00%
Where Your Money Goes
Breakdown of gross salary
Salary Comparison
Compare with nearby salary levels
Take-Home Pay by Period
Your net income across different time periods
Annual
$37,653.5
Monthly
$3,137.79
Biweekly
$1,448.21
Weekly
$724.11
Daily
$144.82
Hourly
$18.1
Official Data Sources
Our calculator uses verified tax rates from official government sources, updated annually
IRS Revenue Procedure 2024-40
irs.gov/forms-pubs →IRS 2025 Tax Tables
irs.gov →Last Updated: January 2025 (Tax Year 2025) •Next Update: January 2026 •State Tax Rates: Tax Foundation, State Revenue Departments
What is After-Tax Salary (Take-Home Pay)?
Your after-tax salary, also known as take-home pay or net income, is the actual amount of money you receive in your bank account after all federal, state, and payroll taxes have been deducted from your gross salary.
This is different from your gross salary (the amount advertised in job offers) because you don't actually get to keep all of that money. The government takes a portion for taxes before you ever see it.
Understanding your take-home pay is crucial for:
- Budgeting: Know exactly how much you can spend each month
- Job negotiations: Compare true compensation, not just gross salaries
- Financial planning: Set realistic savings and investment goals
- Relocation decisions: See how state taxes affect your income
- Lifestyle planning: Determine if you can afford a mortgage, rent, or major purchase
Understanding Your Paycheck Deductions
When you receive a paycheck, four main types of taxes are automatically deducted. Here's exactly what comes out and why:
1. Federal Income Tax
Progressive tax based on income brackets
The federal government taxes your income using seven progressive brackets (10%, 12%, 22%, 24%, 32%, 35%, 37%). You don't pay the same rate on all income — lower portions are taxed at lower rates.
2025 Brackets (Single Filer):
- 10% on first $11,925
- 12% on $11,925 to $48,475
- 22% on $48,475 to $103,350
- 24% on $103,350+
2. State Income Tax
Varies by state (9 states have none)
Most states charge income tax ranging from 3% to 13.3%. Nine states (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming) have no state income tax.
State Tax Examples:
- California: ~9.3% (high)
- New York: ~6.5% (medium)
- Texas: 0% (none)
- Pennsylvania: ~3.07% (low)
3. FICA (Social Security)
6.2% on first $176,100 of income
FICA tax funds Social Security retirement benefits. You pay 6.2% on wages up to $176,100 (2025 limit). Income above this threshold is not subject to FICA tax.
FICA Calculation:
- $50,000 salary → $3,100 FICA
- $100,000 salary → $6,200 FICA
- $200,000 salary → $10,918 FICA (capped)
4. Medicare Tax
1.45% on all income (+ 0.9% surtax)
Medicare tax funds healthcare for seniors. Everyone pays 1.45% on all wages. High earners ($200,000+ single, $250,000+ married) pay an additional 0.9% on excess income.
Medicare Calculation:
- $50,000 salary → $725 Medicare
- $150,000 salary → $2,175 Medicare
- $250,000 salary → $4,075 (includes surtax)
How This Calculator Works (Step-by-Step)
Our calculator uses the exact same methodology as the IRS to determine your take-home pay. Here's the step-by-step process:
Start with Your Gross Salary
This is your total annual income before any deductions. Include base salary and bonuses.
Subtract the Standard Deduction
For 2025: $15,750 (single), $31,500 (married), or $23,625 (head of household). This amount is tax-free.
Calculate Federal Income Tax
Apply progressive tax brackets to your taxable income (gross - deduction). Lower income is taxed at 10%, then 12%, then 22%, etc.
Calculate State Income Tax
Multiply gross salary by your state's income tax rate. Nine states have 0% tax. Others range from 3% to 13.3%.
Add FICA Tax (Social Security)
Calculate 6.2% of wages up to $176,100. Income above this limit is exempt from FICA.
Add Medicare Tax
Calculate 1.45% of all wages, plus 0.9% on income over $200,000/$250,000.
Apply Tax Credits
Subtract child tax credit ($2,000 per child under 17) and other applicable credits from federal tax.
Calculate Net Take-Home Pay
Gross Salary - Total Taxes = Your Take-Home Pay. This is what hits your bank account.
Popular Salary After-Tax Calculations
Explore detailed tax breakdowns for common salary levels. Each page shows exact take-home pay, tax insights, and budgeting tips for that income level:
$30k Salary
$40k Salary
$50k Salary
$60k Salary
$70k Salary
$80k Salary
$90k Salary
$100k Salary
$120k Salary
$150k Salary
$200k Salary
$250k Salary
Calculate After-Tax Salary by State
State taxes vary dramatically—from 0% to 13.3%. See how your state's tax rate affects your take-home pay:
California
Texas
Florida
New York
Washington
Nevada
Illinois
Pennsylvania
Ohio
North Carolina
Georgia
Massachusetts
Frequently Asked Questions
Our Data Sources & Accuracy
We take accuracy seriously. Our calculator uses official government data updated annually:
- •Federal Tax Brackets: IRS Revenue Procedure 2024-40 (published October 2024)
- •Standard Deductions: IRS official 2025 tax tables
- •FICA Rates & Wage Base: Social Security Administration (ssa.gov)
- •Medicare Rates: Centers for Medicare & Medicaid Services (cms.gov)
- •State Tax Rates: Tax Foundation, Federation of Tax Administrators, state revenue departments
Tax laws change annually. We update this calculator every year when the IRS releases new rates.