Free U.S. Salary & Paycheck Calculator
See your take-home pay instantly. Built with 2025 IRS brackets and state tax rates — the ones you'll use when filing in 2026.
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Your take-home pay
Your take-home paycheck by period
Free salary & paycheck calculator for all 50 states. Adjust your salary, state, and filing status above to see your take-home pay instantly.
What's my take-home pay by state?
Real take-home estimates for common salaries. Tap any state for the full breakdown.
Single filer · Tax Year 2025 · take-home after federal, state, and FICA taxes.
Live in NYC? Stack all 4 tax layers
New York City residents pay Federal + New York State + NYC local tax + FICA. Most calculators miss the NYC local layer — ours doesn't.
NYC Paycheck Calculator →Cities with local income tax
A handful of U.S. cities charge their own income tax on top of federal and state. We calculate the full stack — including the local layer most paycheck tools skip.
Calculators
Salary Calculator
Calculate your take-home pay after federal, state, and FICA taxes.
Open calculator →Income Tax Calculator
Estimate your federal and state income tax liability for 2025.
Open calculator →Loan Calculator
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Open calculator →BMI Calculator
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Open calculator →Age Calculator
Find your exact age in years, months, days, hours, and minutes.
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Federal IRS brackets for Tax Year 2025 (returns filed in 2026), plus state income tax for all 50 states.
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Free salary and paycheck calculators for all 50 states
USCalcs is a free collection of U.S. financial calculators built to answer one question fast: how much money do you actually keep? Our salary and paycheck calculator turns any gross salary into your real take-home pay, after federal income tax, state income tax, and FICA. Whether you're comparing a job offer, planning a move, or just want to know your after-tax income for the year, you can switch between annual, monthly, bi-weekly, weekly, and hourly pay and see the net figure update instantly. Alongside the paycheck tools we also offer income tax, loan, BMI, and age calculators — all free, all mobile-first, and all built to load in seconds.
How our calculators work
Every paycheck estimate starts with the 2025 federal income tax brackets (the ones you'll use when filing in 2026), applied after the standard deduction for your filing status. On top of federal tax, we layer your state's income tax — a flat rate in some states, progressive brackets in others, and nothing at all in the nine states with no income tax. Finally we add FICA: Social Security at 6.2% up to the annual wage base, and Medicare at 1.45% on all wages, plus the additional 0.9% Medicare surtax for high earners. Add those together, subtract from gross, and you have your take-home pay — the exact math our calculator runs the instant you change a number.
Why state taxes matter for your paycheck
Two people earning the same salary can take home thousands of dollars apart depending on where they live. Nine states — including Texas, Florida, and Washington — levy no state income tax at all, so a Texas worker keeps every dollar a high-tax state would have withheld. At the other end, California's top marginal rate reaches 13.3%, the highest in the country. That spread is why our calculators are state-by-state: a $100,000 salary in Texas produces a noticeably bigger paycheck than the same $100,000 in California or New York City, where a local income tax stacks on top of state tax. Choosing your state above gives you a number that reflects exactly where your money goes.
Frequently asked questions
How is take-home pay calculated?
Take-home pay is your gross salary minus federal income tax, state income tax (where it applies), and FICA — Social Security (6.2% up to the annual wage base) and Medicare (1.45%, plus an extra 0.9% on high earners). Our salary calculator applies the 2025 IRS federal brackets and your state's rates to show your net pay per year, month, bi-weekly, and weekly paycheck.
Which states have no income tax?
Nine states do not tax wage income: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. In those states your take-home pay is reduced only by federal income tax and FICA — there is no state income tax line on your paycheck.
What's the difference between gross and net pay?
Gross pay is your total salary before any taxes or deductions. Net pay — also called take-home pay — is what actually lands in your bank account after federal income tax, state income tax, and FICA are withheld. The gap between the two is your effective tax burden.
Are these calculators free?
Yes. Every calculator on USCalcs is completely free, with no signup, no paywall, and no limits on how many times you can use it. We keep the tools fast and ad-supported so they stay free for everyone.
Do you store my salary information?
No. Every calculation runs entirely in your browser. We never send your salary, income, or any of the numbers you enter to a server, and we don't store them. Your inputs disappear the moment you close the tab.