Salary / Take-Home Calculator
See what actually lands in your bank account. Enter your gross annual salary and get an estimated take-home pay per month and per year, after federal income tax and payroll tax.
Your result will appear here
Your estimated take-home pay
Estimate only: USA federal income tax (2025 single-filer brackets, $15,000 standard deduction) plus 7.65% payroll tax (Social Security and Medicare). State tax, retirement contributions and health insurance are not included.
How to use
- Enter your gross annual salary before any deductions.
- Choose how often you get paid.
- Click Calculate Take-Home Pay to see your estimated net pay per pay cheque, per month and per year.
Frequently asked questions
Why is my take-home pay lower than my salary?
Income tax is taken from your pay before you receive it, along with payroll taxes for Social Security and Medicare. Your employer may also deduct retirement contributions and health insurance premiums.
Is this estimate exact?
No. It uses simplified USA federal brackets and a flat 7.65% payroll tax. Your real pay depends on your state, your filing status, your W-4, and any pre-tax deductions such as a 401(k) or health plan.
How is the payroll tax calculated?
Social Security is 6.2% and Medicare is 1.45%, together 7.65% of wages. In reality Social Security stops above an annual wage cap, which this simple estimate does not apply.
What is the difference between gross and net pay?
Gross pay is your salary before anything is taken out. Net (take-home) pay is what is left after tax and other deductions — the amount that actually reaches your bank account.