USA take-home pay calculator (federal)
USA take-home pay calculator (federal)Your US take-home is gross minus the standard deduction, federal income tax and FICA; state income tax is a separate add-on.
Worked example · Net / month
You keep 82.1% of gross pay 17.9% goes to tax and contributions
With Gross annual salary of 75,000 USD, this model computes Net / month of 5,132.71 USD. See the full working.
✓ Verified against 2 self-test cases Updated for 2026 · sources checked 2026-08-02
How take-home pay in United States is calculated
US federal tax starts from gross minus the standard deduction, then applies the single-filer brackets from 10% to 37%. FICA adds Social Security (6.2% up to the wage base) and Medicare (1.45%, plus 0.9% above 200,000).
State income tax is separate and ranges from 0% (Texas, Florida, Washington) to over 13% (California), so the calculator shows the federal net before state tax. Estimate, not tax advice.
Worked example
ShowHide the full working: 1 input, 6 computed steps
| Inputs | |
|---|---|
| Gross annual salary | 75,000 USD |
| Computed by the engine | |
| Taxable (after standard deduction) ✓ pinned | 58,900 USD |
| Federal income tax ✓ pinned | 7,670 USD |
| Social Security ✓ pinned | 4,650 USD |
| Medicare ✓ pinned | 1,087.50 USD |
| Net / year ✓ pinned | 61,592.50 USD |
| Net / month | 5,132.71 USD |
Every computed row comes from the engine, run on the inputs above. Rows marked ✓ pinned are also fixed by a published self-test, so a change to the model that moved them would fail its own tests.
Frequently asked questions
What is take-home on 75,000 USD in Texas?
With no state tax, federal tax of 7,670 and FICA of 5,737.50 leave about 61,593 USD.
What is FICA?
Social Security (6.2% to the wage base) plus Medicare (1.45%, with a 0.9% surcharge above 200,000).
Does this include state tax?
No — it shows the federal net; add your state's rate for the full figure.
Sources
- IRS — inflation adjustments · checked 2026-08-02
- SSA — wage base · checked 2026-08-02
Estimate. Not tax advice. The verification badge means the model reproduces the stated formula through 2 self-test cases; the sources support that the formula matches the rules.
Check the arithmetic yourself: how this calculator is verified — the formula behind every derived value, the 2 test cases the engine reproduces, and what the badge does and does not claim. Also available as machine-readable JSON.
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Also for United States: United States registration · USA self-employed (federal)
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