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Calculate take-home pay in the United States after federal income tax and FICA contributions. State tax is excluded — add it manually for your state.
Federal only. Excludes FICA, state, and credits.
Single filers in 2024 see brackets from 10% to 37%. Your effective rate is always lower than the top rate because only the slice of income above each threshold is taxed at the higher rate.
Social Security (6.2%) applies to the first $168,600 of wages; Medicare (1.45%) is uncapped. The employer pays the same on their side. High earners owe an additional 0.9% Medicare tax above $200,000 — not modelled.
State + city income tax, employer health insurance pre-tax, 401(k) contributions, AMT, capital gains, and credits. For exact net, factor in your state.
Annual gross income is reduced by any pre-tax deductions (401k, HSA), then federal income tax is computed across the seven brackets (10–37%) and FICA is deducted (Social Security 6.2% up to $168,600 + Medicare 1.45% uncapped). State income tax, where applicable, comes off on top. The remainder is take-home.
FICA is the combined Federal Insurance Contributions Act tax that funds Social Security and Medicare. The employee share is 7.65% — 6.2% Social Security (on wages up to $168,600 in 2024) plus 1.45% Medicare (uncapped). Both are included in this calculator's take-home estimate.
No. State income tax varies enormously — nine states have no broad personal income tax, while California's top rate is 13.3%. Add your state's rate manually if you want a more accurate net number.
Pre-tax 401(k), HSA, and traditional health insurance premiums reduce your federal taxable income. The calculator doesn't pre-fill these, but you can subtract them from your gross before entering. The Advanced panel includes a free-form 'other deductions' field.
No. It's an educational tool using the 2024 federal brackets and FICA caps published by the IRS and SSA. For payslip-accurate numbers, ask your employer's payroll department or a CPA.
For information only — not financial, tax, or legal advice.
United States take-home estimates use public brackets and the headline social-contribution rates. State / provincial layers and most credits are excluded. Always verify with an official source and a licensed professional before filing, borrowing, or transacting. Read the full disclaimer.
ExpenseFlow tags every transaction automatically — by the time your next pay hits, you'll know exactly where the last one went.
