From Gross to Take-Home

Your offer letter says one number; your bank account sees another. This net pay calculator walks gross salary through 2025 federal income tax and FICA to arrive at take-home pay, per year and per pay period.

The Deductions

Federal tax starts after the standard deduction ($15,000 single / $30,000 MFJ) and any pre-tax deductions like 401(k) contributions and HSA deposits. FICA adds 7.65% — 6.2% Social Security on wages up to the $168,600 cap plus 1.45% Medicare on everything.

Rates Worth Knowing

The effective rate is what you actually lose to taxes overall; the marginal rate is what the next dollar is taxed at — the number that matters when weighing a raise, an extra shift, or a side gig. Both are reported, and state taxes would add on top.