Take-Home Pay Calculator (US)
Enter your gross annual salary and filing status. The calculator applies 2025 IRS figures — the standard deduction, progressive federal brackets, Social Security, and Medicare — to show your estimated monthly and annual take-home pay. State and local taxes are outside this tool's scope and are disclosed below.
Estimate only — federal 2025 figures. State/local taxes and pre-tax deductions (401k, HSA) are not included.
Monthly take-home (estimate)
$5,095.71
Annual take-home
$61,148.50
Biweekly (÷ 26)
$2,351.87
Where your salary goes
Federal bracket breakdown
| Rate | Taxed amount | Tax |
|---|---|---|
| 10% | $11,925.00 | $1,192.50 |
| 12% | $36,550.00 | $4,386.00 |
| 22% | $11,525.00 | $2,535.50 |
How it works
Your federal income tax is not a flat percentage on your whole salary. It is a progressive bracket system: only the income in each bracket gets taxed at that bracket's rate. A single filer earning $90,000 pays 10% on the first $11,925 of taxable income, 12% on the next slice up to $48,475, and 22% on income above that — never 22% on the full amount. Your marginal rate (the rate on your last dollar) is almost always higher than your effective rate (total tax ÷ gross income), which is the meaningful number for comparing scenarios.
Before any bracket math runs, the standard deduction reduces your taxable income. In 2025 that deduction is $15,000 for single filers and $30,000 for married filing jointly. If your gross salary is below the standard deduction, your federal income tax is zero — though FICA still applies. The standard deduction roughly doubles for married couples, which is why the same gross income produces meaningfully lower federal tax under married status.
FICA has two parts. Social Security is 6.2% on wages up to the $176,100 wage base — above that, the rate drops to zero. Medicare is 1.45% on all wages, with an additional 0.9% surcharge on earnings above $200,000 (single) or $250,000 (married). Unlike federal income tax, FICA is calculated on gross wages with no deduction applied first, and these rates do not change with income level until the thresholds above.
Frequently asked questions
Why is this an estimate?+
This calculator uses 2025 federal IRS figures and does not include state or local income taxes, which vary widely across the US and can add 0–13% to your tax burden. It also does not model pre-tax deductions such as 401(k) contributions, HSA deposits, or employer health-insurance premiums — each of which would reduce your taxable income and lower your federal tax. Itemized deductions are not modeled; the standard deduction is always applied. Treat the result as a useful planning estimate, not a substitute for a professional tax return.
What is the difference between my marginal rate and effective rate?+
Your marginal rate is the rate applied to the next dollar you earn — the rate of the highest bracket your income reaches. Your effective rate is your total federal income tax divided by your gross salary, expressed as a percentage. Because of progressive brackets, your effective rate is always lower than your marginal rate unless you are entirely in the first bracket. When people say 'I'm in the 22% bracket,' they usually mean their marginal rate is 22% — but on average they are paying much less than 22% of their income in federal taxes.
Does my bonus get taxed more?+
Technically, no — a bonus is ordinary income and is subject to the same progressive tax rates as your regular salary. But because employers often withhold at the 22% supplemental wage rate (or 37% above $1 million), the withholding on a bonus can feel higher than normal. That is a cash-flow timing difference, not a higher actual tax rate. When you file your return, all income is pooled and taxed at your regular effective rate. If excess tax was withheld from your bonus during the year, you get it back as a refund.