Take Home Pay Calculator

Your take-home pay is what lands in your bank account after all deductions. For a US employee, these typically include federal income tax (based on your W-4 withholding), state income tax (0% in states like Texas and Florida, up to 13.3% in California), Social Security tax (6.2% on the first $168,600 of earnings in 2024), and Medicare tax (1.45% with an additional 0.9% on earnings above $200,000). A person earning $75,000 in Texas might take home around $58,000, while the same salary in New York City could net closer to $52,000 after city and state taxes. Pre-tax deductions for health insurance, 401(k) contributions, and HSA accounts further reduce your taxable income and change the final number. This calculator models all these variables so you can see the real impact of a raise, a new job offer, or moving to a different state — without sharing your salary details with any server.

When evaluating two job offers, the gross salary number is misleading. A $90,000 offer in Austin and an $85,000 offer in Portland have very different take-home values once you factor in Oregon's 9.9% state income tax versus Texas's 0%. Benefits matter too: if one employer covers 100% of health insurance premiums worth $6,000 per year while the other covers 50%, that is a $3,000 difference that does not appear on either offer letter. By running both scenarios through this calculator — adjusting the state, pre-tax deductions, and filing status — you get an apples-to-apples comparison. Freelancers face additional complexity because they pay both the employee and employer portions of Social Security and Medicare (15.3% combined), but can deduct half of that on their tax return. All these calculations run locally, which means you can compare offers involving real dollar amounts without any data leaving your device.