Take Home Pay Calculator 2025

Calculate your actual take home pay and net income with the latest 2025 tax rates. Includes federal taxes, state taxes, FICA, Medicare, and all deductions to show your real after-tax salary and monthly take-home pay.

Calculate Take Home Pay View Tax Info

Take Home Pay Calculator

Calculate net pay, after-tax income, and actual take-home salary with 2025 tax rates

2025 Tax Information

Federal Income Tax (2025)

Single Filers
10% on income up to $11,000
12% on income $11,001 - $44,725
22% on income $44,726 - $95,375
24% on income $95,376 - $182,050
32% on income $182,051 - $231,250
35% on income $231,251 - $578,125
37% on income over $578,125
Married Filing Jointly
10% on income up to $22,000
12% on income $22,001 - $89,450
22% on income $89,451 - $190,750
24% on income $190,751 - $364,200
32% on income $364,201 - $462,500
35% on income $462,501 - $693,750
37% on income over $693,750

FICA Taxes (2025)

Social Security Tax
6.2% on wages up to $168,600
Maximum tax: $10,453.20
Medicare Tax
1.45% on all wages
No wage limit
Additional Medicare Tax
0.9% on wages over $200,000
Single filers and MFJ over $250,000

State Income Tax

No State Income Tax
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming
Highest State Tax Rates (2025)
California: Up to 13.3%
Hawaii: Up to 11%
New York: Up to 10.9%
New Jersey: Up to 10.75%
Oregon: Up to 9.9%

Standard Deductions (2025)

Single
$14,600
Married Filing Jointly
$29,200
Married Filing Separately
$14,600
Head of Household
$21,900

Take Home Pay Examples (2025)

Single, $75,000 Salary

Location: California

Annual Salary: $75,000

Filing Status: Single

Deductions: Standard ($14,600)

Annual Tax Breakdown
Gross Income $75,000
Federal Income Tax -$8,739
CA State Tax -$2,041
Social Security -$4,650
Medicare -$1,088
Annual Take Home $58,482
Monthly Take Home $4,874

Married, $120,000 Combined

Location: Texas (No State Tax)

Combined Salary: $120,000

Filing Status: Married Filing Jointly

Deductions: Standard ($29,200)

Annual Tax Breakdown
Gross Income $120,000
Federal Income Tax -$10,016
State Tax $0
Social Security -$7,440
Medicare -$1,740
Annual Take Home $100,804
Monthly Take Home $8,400

High Earner, $200,000

Location: New York

Annual Salary: $200,000

Filing Status: Single

Deductions: Standard ($14,600)

Annual Tax Breakdown
Gross Income $200,000
Federal Income Tax -$35,739
NY State Tax -$12,586
Social Security -$10,453
Medicare + Additional -$2,900
Annual Take Home $138,322
Monthly Take Home $11,527

Head of Household, $90,000

Location: Florida (No State Tax)

Annual Salary: $90,000

Filing Status: Head of Household

Deductions: Standard ($21,900)

Annual Tax Breakdown
Gross Income $90,000
Federal Income Tax -$8,172
State Tax $0
Social Security -$5,580
Medicare -$1,305
Annual Take Home $74,943
Monthly Take Home $6,245

Frequently Asked Questions About Take Home Pay

Most employees take home 70-80% of their gross salary after federal taxes, state taxes, FICA taxes, and other deductions. The exact percentage depends on your income level, state, filing status, and benefit elections.

Gross pay is your total earnings before any deductions. Net pay (take-home pay) is what remains after taxes, insurance premiums, retirement contributions, and other deductions are subtracted from your gross pay.

Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. This can significantly increase your take-home pay compared to high-tax states.

You can increase take-home pay by: contributing to pre-tax retirement accounts (401k), using pre-tax benefits (health insurance, FSA), claiming all eligible tax deductions, or moving to a state with lower taxes.

Important Take Home Pay Information

Take home pay calculations are estimates based on 2025 federal and state tax rates, standard deductions, and FICA taxes. Actual take home pay may vary based on additional deductions such as health insurance, retirement contributions, state disability insurance, and local taxes. This calculator provides general estimates and should not be considered tax advice. Consult a tax professional for personalized calculations. Tax rates and brackets are subject to change and may vary by state and locality.