{"tool":{"slug":"take-home-pay","name":"Take home pay calculator","version":"2026-08-21","canonicalUrl":"https://carlo.finance/tools/take-home-pay","jsonUrl":"https://carlo.finance/tools/take-home-pay.json","pageUrl":"https://carlo.finance/tools/take-home-pay","parameters":[{"key":"salary","label":"Annual salary","unit":"usd-per-year","min":0,"max":100000000,"default":100000,"sourceId":null,"help":"Gross pay for the year before anything comes out: the number on your offer letter, not the number on your W-2. One job. Bonuses and overtime belong here only if you are counting them."},{"key":"retirement","label":"Traditional 401(k) or 403(b)","unit":"usd-per-year","min":0,"max":100000,"default":0,"sourceId":null,"help":"What you put into a traditional, pre-tax retirement plan for the year. It comes off federal taxable wages but not Social Security and Medicare wages, so it saves income tax and nothing else. Leave at zero for a Roth deferral, which saves nothing today."},{"key":"hsa","label":"HSA contribution","unit":"usd-per-year","min":0,"max":100000,"default":0,"sourceId":null,"help":"Your own payroll contribution to a health savings account for the year. Taken through payroll it comes off federal taxable wages and off Social Security and Medicare wages, so it is the rare deduction that dodges both."},{"key":"health","label":"Pre-tax health premiums","unit":"usd-per-year","min":0,"max":100000,"default":0,"sourceId":null,"help":"Medical, dental and vision premiums taken through a cafeteria plan for the year, plus any FSA. Like the HSA, these come off both federal taxable wages and payroll-tax wages."}],"options":[{"key":"status","label":"Filing status","options":[{"value":"single","label":"Single"},{"value":"married-joint","label":"Married filing jointly"},{"value":"head-of-household","label":"Head of household"}],"default":"single","sourceId":null,"help":"Your status on the last day of the year. It sets the federal standard deduction, where each rate starts, and the salary at which the additional Medicare tax begins, so it moves the answer more than anything else here."},{"key":"state","label":"State","options":[{"value":"none","label":"No state income tax"},{"value":"ca","label":"California"},{"value":"ny","label":"New York"},{"value":"pa","label":"Pennsylvania"},{"value":"va","label":"Virginia"}],"default":"ca","sourceId":null,"help":"Where you live, if it is one of the four states the engine computes a real resident return for. Choose no state income tax if your state does not tax wages. Everywhere else is not on this list yet, and the page says why."},{"key":"frequency","label":"Pay frequency","options":[{"value":"weekly","label":"Weekly"},{"value":"biweekly","label":"Every two weeks"},{"value":"semimonthly","label":"Twice a month"},{"value":"monthly","label":"Monthly"}],"default":"biweekly","sourceId":null,"help":"How often you are paid. This divides the year evenly, so it changes the size of each check and nothing about the tax."}]},"taxYear":2025,"inputs":{"salary":100000,"retirement":0,"hsa":0,"health":0,"status":"single","state":"ca","frequency":"biweekly"},"result":{"gross":100000,"grossPerPeriod":3846.15,"periodsPerYear":26,"takeHomeAnnual":73839,"takeHomePerPeriod":2839.96,"preTaxTotal":0,"preTax":{"retirement":0,"hsa":0,"health":0},"federalIncomeTax":13455,"socialSecurityTax":6200,"medicareTax":1450,"additionalMedicareTax":0,"ficaTax":7650,"stateIncomeTax":5056,"totalTax":26161,"federalTaxableWages":100000,"payrollTaxableWages":100000,"socialSecurityTaxableWages":100000,"federalStandardDeduction":15750,"federalTaxableIncome":84250,"effectiveRate":26.16,"marginalRate":38.65,"shares":[{"key":"take-home","label":"Take home pay","annual":73839,"perPeriod":2839.96,"share":73.84},{"key":"federal","label":"Federal income tax","annual":13455,"perPeriod":517.5,"share":13.46},{"key":"fica","label":"Social Security and Medicare","annual":7650,"perPeriod":294.23,"share":7.65},{"key":"state","label":"State income tax","annual":5056,"perPeriod":194.46,"share":5.06},{"key":"pretax","label":"Pre-tax deductions","annual":0,"perPeriod":0,"share":0}],"state":{"value":"ca","code":"CA","label":"California","reference":"CA Form 540 line 64"},"computability":{"federal":{"status":"final","fileReady":true,"blocking":[]},"state":{"status":"final","fileReady":true,"blocking":[]},"payrollReliability":"reliable"}},"drivers":[{"key":"salary","label":"Annual salary","step":10000,"takeHomeDelta":6106,"sentence":"A $10,000 raise adds $6,106 to what you actually keep for the year, so $3,894 of it goes to tax."},{"key":"state","label":"State","step":0,"takeHomeDelta":5056,"sentence":"The same salary in a state that does not tax wages keeps $5,056 more of the year, which is $194 a check."},{"key":"retirement","label":"Traditional 401(k) or 403(b)","step":1000,"takeHomeDelta":-687,"sentence":"Putting another $1,000 into the traditional 401(k) costs you $687 of take home pay, because $313 of it comes back as tax you no longer owe."},{"key":"hsa","label":"HSA contribution","step":1000,"takeHomeDelta":-610.5,"sentence":"Another $1,000 into the HSA costs you $611 of take home pay. It beats the 401(k) dollar for dollar here because it dodges Social Security and Medicare as well as income tax."}],"sensitivity":{"bySalary":[{"salary":50000,"takeHomeAnnual":41260,"takeHomePerPeriod":1586.92,"totalTax":8740,"effectiveRate":17.48},{"salary":75000,"takeHomeAnnual":58532.5,"takeHomePerPeriod":2251.25,"totalTax":16467.5,"effectiveRate":21.96},{"salary":100000,"takeHomeAnnual":73839,"takeHomePerPeriod":2839.96,"totalTax":26161,"effectiveRate":26.16},{"salary":125000,"takeHomeAnnual":88990.5,"takeHomePerPeriod":3422.71,"totalTax":36009.5,"effectiveRate":28.81},{"salary":150000,"takeHomeAnnual":103753,"takeHomePerPeriod":3990.5,"totalTax":46247,"effectiveRate":30.83},{"salary":200000,"takeHomeAnnual":134759.8,"takeHomePerPeriod":5183.07,"totalTax":65240.2,"effectiveRate":32.62}],"byState":[{"state":"none","label":"No state income tax","stateIncomeTax":0,"takeHomeAnnual":78895,"takeHomePerPeriod":3034.42},{"state":"ca","label":"California","stateIncomeTax":5056,"takeHomeAnnual":73839,"takeHomePerPeriod":2839.96},{"state":"ny","label":"New York","stateIncomeTax":4952,"takeHomeAnnual":73943,"takeHomePerPeriod":2843.96},{"state":"pa","label":"Pennsylvania","stateIncomeTax":3070,"takeHomeAnnual":75825,"takeHomePerPeriod":2916.35},{"state":"va","label":"Virginia","stateIncomeTax":4935,"takeHomeAnnual":73960,"takeHomePerPeriod":2844.62}],"byFrequency":[{"frequency":"weekly","label":"Weekly","periodsPerYear":52,"grossPerPeriod":1923.08,"takeHomePerPeriod":1419.98},{"frequency":"biweekly","label":"Every two weeks","periodsPerYear":26,"grossPerPeriod":3846.15,"takeHomePerPeriod":2839.96},{"frequency":"semimonthly","label":"Twice a month","periodsPerYear":24,"grossPerPeriod":4166.67,"takeHomePerPeriod":3076.63},{"frequency":"monthly","label":"Monthly","periodsPerYear":12,"grossPerPeriod":8333.33,"takeHomePerPeriod":6153.25}]},"assumptions":[{"key":"salary","label":"Annual salary","value":100000,"unit":"usd-per-year","provided":false,"source":null},{"key":"retirement","label":"Traditional 401(k) or 403(b)","value":0,"unit":"usd-per-year","provided":false,"source":null},{"key":"hsa","label":"HSA contribution","value":0,"unit":"usd-per-year","provided":false,"source":null},{"key":"health","label":"Pre-tax health premiums","value":0,"unit":"usd-per-year","provided":false,"source":null},{"key":"status","label":"Filing status","value":"single","unit":"choice","provided":false,"source":null},{"key":"state","label":"State","value":"ca","unit":"choice","provided":false,"source":null},{"key":"frequency","label":"Pay frequency","value":"biweekly","unit":"choice","provided":false,"source":null}],"sources":[{"id":"rev-proc-2024-40","name":"IRS Rev. Proc. 2024-40 (2025 inflation-adjusted items)","url":"https://www.irs.gov/pub/irs-drop/rp-24-40.pdf","asOf":"2025-01-01","note":"The federal rate tables and standard deduction for tax year 2025, as published by the IRS."},{"id":"ssa-cola-2025","name":"SSA cost-of-living and wage-base determinations for 2025","url":"https://www.govinfo.gov/content/pkg/FR-2024-10-25/pdf/2024-24871.pdf","asOf":"2024-10-25","note":"The Social Security contribution and benefit base for 2025, which is the salary above which Social Security tax stops. The payroll module reports this notice as its own authority."},{"id":"pl-119-21-obbba","name":"One Big Beautiful Bill Act (P.L. 119-21)","url":"https://www.govinfo.gov/app/details/PLAW-119publ21","asOf":"2025-07-04","note":"The statute that sets the current federal standard deduction used for 2025."},{"id":"usc-title-26","name":"26 U.S.C. (Internal Revenue Code)","url":"https://uscode.house.gov/browse/prelim@title26","asOf":"2025-01-01","note":"The code sections the calculation implements: § 1 rates, § 63 deduction, § 3101 Social Security and Medicare, § 3101(b)(2) additional Medicare tax, § 402(g) elective deferrals, § 223 health savings accounts, § 125 cafeteria plans."}],"warnings":[],"disclaimer":"This computes annual federal income tax, Social Security and Medicare, and state income tax for the four states listed, on wage income from one job for tax year 2025, then divides the year evenly across pay periods. It is not your employer's withholding, which follows the Form W-4 and Publication 15-T tables, and it leaves out city and local income tax, state disability and paid-leave deductions, after-tax deductions, and every kind of income that is not this salary. It is not tax advice. Check anything that matters against your own pay stub and return."}