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Calculate your take-home pay after federal income tax, Social Security, Medicare, and state income tax. Updated for 2025 tax brackets.
Enter your salary and click calculate to see your take-home pay.
2025 US federal tax brackets (single filer)
| Tax Rate | Income Range | Tax on This Bracket |
|---|---|---|
| 10% | $0 – $11,600 | Up to $1,160 |
| 12% | $11,600 – $47,150 | Up to $4,266 |
| 22% | $47,150 – $100,525 | Up to $11,745 |
| 24% | $100,525 – $191,950 | Up to $21,940 |
| 32% | $191,950 – $243,725 | Up to $16,568 |
| 35% | $243,725 – $609,350 | Up to $128,011 |
| 37% | Over $609,350 | 37¢ per $1 above |
Frequently asked questions
How is federal income tax calculated in the US?
The US uses a progressive tax bracket system. You pay different rates on different portions of your income. In 2025, the brackets for single filers range from 10% (up to $11,600) to 37% (over $609,350). Crucially, only the income within each bracket is taxed at that rate — not your entire salary. This is why effective tax rates are always lower than the marginal (top bracket) rate.
What is FICA tax?
FICA stands for Federal Insurance Contributions Act. It covers Social Security (6.2% on income up to $168,600 in 2025) and Medicare (1.45% on all income, plus an additional 0.9% on income over $200,000). Your employer pays a matching amount. Self-employed people pay both halves — 15.3% total — as self-employment tax.
Which states have no income tax?
Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. This can make a significant difference to take-home pay — a $100,000 salary in California costs roughly $7,250 more in state tax than the same salary in Texas.
What is the standard deduction for 2025?
The 2025 standard deduction is $14,600 for single filers, $29,200 for married filing jointly, $14,600 for married filing separately, and $21,900 for head of household. This is the amount subtracted from your gross income before federal tax is calculated. Most Americans claim the standard deduction rather than itemising.
What does take-home pay mean?
Take-home pay (also called net pay) is your salary after all deductions — federal income tax, state income tax, Social Security, and Medicare. It's the amount that actually hits your bank account. Pre-tax deductions like 401(k) contributions and health insurance premiums reduce your taxable income further.
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Mandeep Singh · 25+ Years UK Financial Services
Important Information
This calculator is for informational purposes only and does not constitute financial advice or a personal recommendation.
Results are estimates based on the information you provide and may not reflect your actual financial position.
You should consider seeking independent professional advice tailored to your specific circumstances before making any financial decision.