Salary Calculator
Pay Period Breakdown
| Period | Net Pay |
|---|---|
| Monthly | $0 |
| Bi-Weekly | $0 |
| Weekly | $0 |
| Daily (260 days) | $0 |
| Hourly (2080 hrs) | $0 |
How the Salary Calculator Works
When you receive a job offer or negotiate a raise, the number you see is your gross annual salary. But that figure can be misleading because it does not reflect the taxes and deductions that reduce your actual take-home pay. Our salary calculator bridges that gap by converting your annual salary into the net amount you receive.
The calculator starts with your gross salary, then subtracts federal income tax using the 2025 IRS progressive brackets, state income tax using your state’s specific rates, Social Security tax (6.2% up to $176,100), and Medicare tax (1.45% on all wages, plus 0.9% on earnings over $200,000).
Why Your Salary and Take-Home Pay Differ
Most employees are surprised to learn that 20% to 35% of their gross salary never reaches their bank account. Federal income tax is the largest deduction for most workers. A single filer earning $75,000 pays approximately $9,038 in federal income tax. FICA taxes take 7.65% of gross wages. State income tax varies from 0% (nine states) to over 13% (California).
Salary Comparison: High-Tax vs. No-Tax States
Where you live impacts your take-home pay dramatically. A $100,000 salary in Texas produces roughly $75,240 in annual take-home pay. The same salary in California results in approximately $70,160 — a difference of over $5,000 per year.