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: with Gross annual salary of 75,000 USD, this model computes Net / month of 5,132.71 USD. See the full breakdown.
✓ 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
| Gross annual salary (USD) | 75000 |
|---|---|
| Taxable (after standard deduction) ✓ | 58900 |
| Federal income tax ✓ | 7670 |
| Social Security ✓ | 4650 |
| Medicare ✓ | 1087.5 |
| Net / year ✓ | 61592.5 |
| Net / month | 5132.71 |
Every row is computed by the engine from the inputs above. Rows marked ✓ are additionally pinned by a published self-test vector.
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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