Estimate your take-home pay after federal income tax, Social Security, Medicare, state tax, and 401(k) contributions — using 2025 federal tax brackets.
How it works
- Enter your gross pay per paycheck and select the pay frequency.
- Provide your filing status to apply the correct IRS standard deduction.
- Include your estimated state tax rate and 401(k) percentage to review your net take-home pay.
Frequently asked questions
How accurate is this estimate?
It is a close approximation using 2025 federal brackets and the standard deduction. Actual pay depends on your W-4, local taxes, and benefit deductions.
Why is my take-home less than expected?
Combined federal tax, FICA (7.65%), state tax, and pre-tax deductions typically reduce gross pay by 25–35% for middle incomes.
Does a 401(k) reduce my taxes?
Yes — traditional 401(k) contributions are pre-tax, lowering your taxable income now. You pay tax when you withdraw in retirement.