Enter your salary or hourly rate and see exactly what lands in your bank account after federal tax, Social Security, Medicare, and state tax.
| Rate | Income Range | Tax in This Bracket | You |
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Your gross salary is reduced by several layers of tax before you see it. Federal income tax uses progressive brackets — meaning higher income is taxed at higher rates, but only the portion in each bracket, not your entire income. FICA taxes (Social Security and Medicare) are flat percentages applied to most earned income.
FICA stands for Federal Insurance Contributions Act. It covers two taxes: Social Security (6.2% on income up to $168,600 in 2024) and Medicare (1.45% on all income, with an additional 0.9% on income above $200,000 for single filers). Your employer matches your 6.2% Social Security and 1.45% Medicare contributions.
Your marginal rate is the tax rate on the last dollar you earn. Your effective rate is your total tax divided by your gross income. These are almost always different because the US tax system is progressive. A $75,000 salary puts you in the 22% marginal bracket, but your effective federal rate might be closer to 13–15%.
Traditional 401(k) contributions are pre-tax, meaning they reduce your taxable income before federal (and usually state) income tax is calculated. Contributing 6% of a $75,000 salary ($4,500) reduces your federal taxable income to $70,500, lowering your tax bill. FICA taxes still apply to your full gross pay.
This calculator estimates taxes based on annual income, but actual withholding depends on your W-4 allowances, voluntary deductions (benefits, HSA, dental), state-specific rules, and employer-specific payroll cycles. Use this for planning and comparison — your actual payslip is always the authoritative figure.
No — local income taxes (levied by some cities like New York City, Philadelphia, and Detroit) are not included. If you live in a city with a local income tax, your actual take-home will be lower than shown here.