After-Tax Income Calculator

Calculate your take-home pay after federal, state, and FICA taxes.

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Take-Home Pay

Enter your gross income and tax details.

Annual take-home pay
$0
Monthly: $0
Gross income
$0
Pre-tax deductions
$0
Taxable income
$0
Total tax
$0
Take-home pay
$0
Effective tax rate
0%

Worked example

With the default inputs shown below, this calculator returns the following results:

InputValue
Gross annual income ($)$100,000
Federal tax rate (%)17%
State tax rate (%)5%
FICA (Social Security + Medicare) (%)7.65%
Pre-tax deductions ($/yr)5000
ResultValue
Annual take-home pay$66,833
Gross income$100,000
Pre-tax deductions$5,000
Taxable income$95,000
Total tax$28,168
Take-home pay$66,833

Values shown are produced by this page in your browser; change any input to update them.

How to use the Take-Home Pay

  1. Gross annual income ($) — default $100,000
  2. Federal tax rate (%) — default 17%
  3. State tax rate (%) — default 5%
  4. FICA (Social Security + Medicare) (%) — default 7.65%
  5. Pre-tax deductions ($/yr) — default 5000
  6. Press Calculate to update the results instantly.

Frequently asked questions

Gross income is your pay before deductions. After-tax income (take-home pay) is what is left after federal tax, state tax, FICA and any pre-tax deductions such as a 401(k) or health insurance.
City or local taxes, wage garnishments, union dues and larger pre-tax deductions all reduce take-home pay. This calculator covers federal tax, state tax and FICA only.
Raise pre-tax contributions (401(k), HSA, FSA) to lower taxable income, fix your withholding so you are not overpaying during the year, and keep savings in tax-advantaged accounts.

Sources & references