🇺🇸 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.
✓ 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
| grossAnnual | 75000 |
|---|---|
| taxable | 58900 |
| federalTax | 7670 |
| socialSecurity | 4650 |
| medicare | 1087.5 |
| netAnnual | 61592.5 |
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.
Related calculators
Take-home pay in Canada · Uk · Mexico · All United States calculators · All calculators
Fork this model in the Valem sandbox →
Built with Valem — a live, verifiable calculator you can fork and embed.