How is take-home pay calculated?

Take-home pay is your gross salary minus federal income tax, state income tax, Social Security (6.2%), Medicare (1.45%), and any pre-tax deductions like 401(k). The exact amount depends on your income, filing status, state, and deductions.

What percentage of my paycheck goes to taxes?

For most Americans, total tax withholding is 20–35% of gross pay. Federal income tax ranges from 10–37%, FICA taxes (Social Security + Medicare) are a flat 7.65%, and state taxes vary from 0% (TX, FL, WA) to 13.3% (CA).

How much is taken out for Social Security and Medicare?

Social Security takes 6.2% of your gross wages up to $168,600 (2024 wage base). Medicare takes 1.45% with no cap. Together these FICA taxes are 7.65% of your paycheck.

🇺🇸 All 50 US States

Your Take-Home Pay

Enter your salary — see exactly what lands in your bank account after all taxes.

Gross Salary

Annual amount

Pay period

Tax Information

State

Filing status

Deductions & Withholdings

Social Security

6.2% up to $168,600

—

Medicare

1.45% (no cap)

—

401(k)

Pre-tax contribution

State Income Tax

Based on selected state

—

Take-Home Pay

$—

per year

Gross

$—

Total Tax

$—

📊

Effective tax rate

—%

Breakdown

How US payroll taxes work

State income tax rates (2024)

Income tax rates for all 50 US states — from 0% to 13.3%

State	Top Rate	Type	Note

Frequently Asked Questions

Everything about taxes and take-home pay in the US