Take-Home Pay Calculator
Find out how much of your salary you actually keep. Enter your gross annual salary, filing status, state tax rate, and deductions to see your take-home pay per paycheck. Uses 2025 federal tax brackets, Social Security (6.2%), and Medicare (1.45%).
Your take-home pay is what lands in your bank account after federal income tax, state income tax, Social Security, Medicare, and any other deductions are subtracted from your gross pay. On a $75,000 salary, a single filer with no state tax might take home around $58,000-60,000 annually. Add a 5% state tax and that drops to about $54,000-56,000.
What Gets Deducted
- Federal income tax: Progressive brackets from 10% to 37%. On a $75,000 single filer's salary, the 2025 standard deduction of $15,000 reduces taxable income to $60,000. The effective federal rate is roughly 10-12%.
- Social Security: 6.2% of wages up to $176,100 in 2025. Your employer also pays 6.2%.
- Medicare: 1.45% on all wages, plus an additional 0.9% on wages above $200,000 (single) or $250,000 (married).
- State tax: Ranges from 0% (Texas, Florida, Nevada, etc.) to over 13% (California top bracket).
- Pre-tax deductions: 401(k) contributions, HSA, and health premiums reduce your taxable income before federal and state taxes are calculated.
Why Your Paycheck Varies
Biweekly paychecks (26 per year) are slightly smaller than semi-monthly (24 per year) because the annual amount is spread over more pay periods. If your gross is $75,000, biweekly gross is $2,884.62 while semi-monthly gross is $3,125. The annual total is the same -- only the per-check amount differs.