✦ Updated 2025
Free · All 50 States · 2025 Tax Brackets

US Salary & Paycheck
Calculator 2025

See your real take-home pay after federal income tax, state tax, Social Security and Medicare — for any salary, in any state.

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Paycheck Calculator
Federal + State + FICA · 2025
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1
Your Income
$
2
Location & Status
$
3
Pre-Tax Deductions (optional)
$
$
$
✓ Estimated Take-Home Pay
$0
per year · after all taxes
—%
Keep Rate
Where Your Money Goes as % of gross
Take-Home
Federal Tax
State Tax
FICA
Deductions
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2025 Federal Brackets
10%$0 – $11,925
12%$11,926 – $48,475
22%$48,476 – $103,350
24%$103,351 – $197,300
32%$197,301 – $250,525
35%$250,526 – $626,350
37%Over $626,350
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FICA 2025
Social Security6.2% (up to $176,100)
Medicare1.45% all wages
Extra Medicare+0.9% over $200K
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How Take-Home Pay Is Calculated
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Federal Income Tax
The US uses progressive brackets from 10% to 37%. You only pay each rate on income within that bracket — your effective rate is always lower than your marginal rate. The 2025 standard deduction is $15,000 (single) or $30,000 (married).
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State Income Tax
9 states have zero income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. Other states range from 2.5% (Arizona) to 13.3% (California top bracket). This calculator uses 2025 rates for all 50 states.
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Pre-Tax Deductions
Contributions to 401(k), HSA and health insurance premiums reduce your taxable income before taxes are applied. This means a $6,000 401(k) contribution saves you more than $6,000 out of pocket — the actual cost is reduced by your marginal tax rate.
Disclaimer: Estimates only. Based on 2025 IRS brackets and approximate state rates. Actual withholding depends on your W-4, local taxes, and employer plan specifics. Not financial or tax advice — consult a CPA for your specific situation.