Take-Home Pay Calculator
See what your annual salary is really worth. Enter your gross salary, filing status, and state tax rate to get your net monthly, bi-weekly, and annual take-home pay after all major US taxes.
Annual Breakdown
| Gross Salary | $85,000.00 |
| Pre-Tax Deductions | −$0.00 |
| Federal Income Tax | −$9,214.50 |
| Social Security (6.2%) | −$5,270.00 |
| Medicare (1.45%) | −$1,232.50 |
| State Income Tax | −$4,250.00 |
| Net Annual Take-Home | $65,655.00 |
How to Use the Take-Home Pay Calculator
Enter your annual gross salary (the number on your job offer), choose your filing status, and enter your state's effective income tax rate. If you contribute to a 401(k) or pay for health insurance through payroll, enter the total annual amount as a pre-tax deduction.
The calculator shows your net pay at four intervals — monthly, bi-weekly, weekly, and annual — plus a full line-by-line breakdown so you can see exactly where the money goes. Use the monthly figure to set a budget, or the annual figure to compare job offers on a like-for-like basis.
Common State Effective Tax Rates (Approximate)
- 0% — Texas, Florida, Nevada, Washington, Wyoming, South Dakota, Tennessee, New Hampshire
- ~3–5% — Arizona, Colorado, Georgia, Idaho, Indiana, Kentucky, Michigan, North Carolina, Utah
- ~5–7% — Illinois, Massachusetts, Minnesota, Virginia, Maryland, Wisconsin
- ~7–10% — New York, Oregon, Hawaii, New Jersey, Vermont
- 10%+ — California (up to 13.3%)
These are rough effective rates for a $60K–$100K salary. Always verify with your state tax authority for an exact figure.
Difference From the Paycheck Calculator
This tool focuses on the annual picture — useful when comparing job offers, negotiating salary, or planning a yearly budget. If you want a per-paycheck breakdown (weekly, bi-weekly, semi-monthly, or monthly), use the Paycheck Calculator instead.