Take Home Pay Calculator - Calculate Your Net Pay

A take home pay calculator is essential for understanding your actual income. This take home pay calculator accounts for all deductions including federal tax, state tax, FICA, and both pre-tax and post-tax deductions to show your true net income. Use this take home pay calculator to plan your budget effectively.

Key components of your take home pay:

• Gross Pay: Your total earnings before any deductions
• Federal Income Tax: Based on 2025 tax brackets and your filing status
• FICA Taxes: 7.65% total (6.2% Social Security + 1.45% Medicare)
• State Tax: Varies by state, typically 0-13% of income
• Pre-Tax Deductions: Reduce your taxable income (401k, HSA, health insurance)
• Post-Tax Deductions: Come out of your net pay (Roth contributions, etc.)
• Take Home Pay: What actually hits your bank account

Maximizing your take home pay: Consider increasing pre-tax deductions like 401(k) contributions to reduce your taxable income while saving for retirement. Health Savings Accounts (HSAs) also reduce taxes while building medical savings.

Take home pay calculator note: This calculator provides estimates based on 2025 federal tax brackets. Actual take home pay may vary based on additional factors like local taxes, specific deductions, tax credits, and employer benefits. Consult a tax professional for personalized advice.