Salary Calculator

Estimate your take-home pay from a gross annual salary. Applies the US single-filer federal tax brackets, an estimated state income tax, FICA, and pre-tax deductions to show your net annual and monthly income.

Enter your gross annual salary and pre-tax deductions, then pick a state for an estimated state income tax. Figures use 2024 single-filer federal brackets, a $14,600 standard deduction, full FICA (7.65%), and an estimated effective state rate — a ballpark, not tax advice.

401(k), HSA, traditional IRA, etc.
Adjusted gross income
Taxable income
Estimated federal tax
Estimated state tax
FICA (Social Security + Medicare)
Total estimated tax
Net annual income
Net monthly income

Our Salary Calculator turns a gross annual salary into an estimated take-home figure. It layers in pre-tax deductions, the 2024 US single-filer federal tax brackets, FICA, and an estimated state income tax so you can see roughly what lands in your bank account.

How the estimate is built

  • Adjusted gross income = gross salary − pre-tax deductions.
  • Taxable income = adjusted gross − the $14,600 single-filer standard deduction (floored at 0).
  • Federal tax uses progressive 2024 brackets (10% / 12% / 22% / 24% / 32% / 35% / 37%) — each portion of income is taxed at its bracket's rate.
  • FICA = 6.2% Social Security + 1.45% Medicare = 7.65% of gross.
  • State tax uses an estimated effective rate for the selected state.

Examples

  • A $75,000 gross salary with $5,000 pre-tax and no state tax gives an estimated net.
  • Adding a high-tax state like California lowers the net further.
  • Higher pre-tax deductions (401k) reduce taxable income and federal tax.

Frequently asked questions

Is this exact?

No. It is an estimate using single-filer brackets, a flat FICA rate and an effective state rate. It ignores credits, additional Medicare tax, the Social Security wage cap and local taxes. Use it for ballpark planning only.

Why is the Social Security cap ignored?

To keep the tool simple we apply the full 7.65% FICA to all gross income. In reality, the 6.2% Social Security portion stops at the annual wage base ($168,600 in 2024).

Just for the giggles, much love.
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