Salary
Take-Home Pay Calculator
Estimate your paycheck after taxes and deductions using your own rate assumptions.
Use CalculatorTax Calculator
Use this tax calculator to estimate your 2025 federal income tax in seconds. Pick your filing status, enter your gross income and any pre-tax deductions, and see your taxable income, tax owed, tax bracket, effective rate and estimated monthly take-home pay.
Free · No signup · 2025 IRS figures · Mobile-friendly
How the tax calculator works
Start with gross income: your total yearly pay before anything is taken out.
Subtract pre-tax deductions: money you put into a traditional 401(k), IRA or HSA is not taxed now.
Subtract the 2025 standard deduction: $15,750 for single filers or $31,500 for married couples filing jointly. What is left is your taxable income.
Apply the 2025 federal brackets: each slice of taxable income is taxed at its own rate, from 10% up to 37%. Adding the slices gives your federal income tax.
Estimate take-home pay: the calculator also subtracts FICA (6.2% Social Security up to $176,100 and 1.45% Medicare) to give a monthly figure before state tax.
Related tools and guides
Tax deductions guide
Learn when itemizing beats the standard deduction in our tax deductions guide.
Take-home pay
See your paycheck per pay period with the Take-Home Pay Calculator.
Salary conversions
Convert annual, monthly and hourly pay with the Salary Calculator.
Formula & methodology
Taxable income = Gross income − Pre-tax deductions − Standard deduction
- Marginal rate
- The rate on your last dollar of taxable income (your bracket)
- Effective rate
- Federal income tax ÷ gross income
Only the income inside each bracket is taxed at that bracket's rate — moving into a higher bracket never makes your whole income taxed at the higher rate.
Tax credits, itemized deductions and state or local taxes are not included.
Illustrative example
$80,000 single filer, line by line
Gross income: $80,000. Pre-tax deductions: $0. Standard deduction: −$15,750. Taxable income: $64,250.
10% on the first $11,925 = $1,192.50.
12% on $11,926 to $48,475 ($36,550) = $4,386.00.
22% on $48,476 to $64,250 ($15,775) = $3,470.50.
Total federal income tax: $9,049. Marginal bracket: 22%. Effective rate: $9,049 ÷ $80,000 = 11.31%.
After $6,120 of FICA, estimated take-home before state tax is about $64,831 a year, or $5,403 a month.
Hypothetical figures for illustration only.
Tax calculator FAQ
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