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Paycheck Tax Calculator (US)

Estimate your US federal income tax, FICA, and state tax to see your take-home pay. Uses 2024 single-filer brackets.

Tax brackets use single-filer rates. Married option adjusts standard deduction only.

Results

Net Annual Pay$64,436.50
Net Monthly Pay$5,369.71
Net Biweekly Pay$2,478.33
Federal Income Tax$10,541.00
FICA Tax (SS + Medicare)$6,502.50
State Income Tax$3,520.00
Total Tax$20,563.50
Effective Tax Rate24.19%

📖What is it?

The Paycheck Tax Calculator estimates your US take-home pay after federal income tax (2024 brackets), FICA (Social Security + Medicare), and state income tax. It uses the single-filer tax brackets; selecting "Married" adjusts the standard deduction but applies the same bracket structure as a simplified estimate.

🎯How to use

Enter your gross annual salary, choose your filing status, set your state income tax rate (use 0% for states with no income tax like TX, FL, WA), and enter any pre-tax 401(k) contributions. The calculator deducts the standard deduction and 401(k) before computing federal tax.

💡Example scenario

An $85,000 salary (single, 5% state tax, no 401k) has $70,400 taxable income after the $14,600 standard deduction. Federal tax is ~$8,535, FICA is ~$6,503, and state tax is ~$3,520 — leaving about $66,442 net annual or ~$5,537/month take-home.

🏆Pro tip

Maximizing your 401(k) contribution reduces taxable income, which can drop you into a lower bracket. The 2024 employee limit is $23,000 ($30,500 if 50+). Every dollar contributed saves you money at your marginal rate.