Take-Home Pay Calculator
Enter your salary to see your net pay after federal taxes, FICA, 401(k), and health insurance — based on 2025 US tax brackets.
Biweekly Take-Home Pay
$2,167.37
$56,351.50 / year · 16.7% effective rate · 22% marginal
Estimate based on 2025 US federal tax brackets. State income taxes not included.
How Take-Home Pay Is Calculated
Your take-home pay — also called net pay — is what remains after all mandatory and voluntary deductions are subtracted from your gross salary. For most US employees, the gap between gross and net pay is 20–35%, which is why understanding each deduction matters for realistic budgeting.
The calculation follows a specific order. First, pre-tax voluntary deductions — your 401(k) contribution and health insurance premiums — are subtracted from gross pay. This reduces your federally taxable income. Then the 2025 standard deduction ($15,000 single, $30,000 married) is applied. Federal income tax is calculated on the remaining taxable income using the progressive bracket system: 10%, 12%, 22%, 24%, 32%, 35%, or 37%.
FICA taxes work differently. Social Security (6.2%) and Medicare (1.45%) are calculated on your gross salary before pre-tax deductions — these aren't reduced by your 401(k) or health insurance contributions. Social Security applies only up to the $176,100 wage base for 2025.
State income taxes vary widely — from 0% in states like Texas, Florida, and Nevada, to over 13% in California. This calculator focuses on federal taxes only; add your state's estimated rate if needed for a complete picture. Local taxes in cities like New York City add another layer on top.