Salary Calculator

Federal tax is computed by subtracting the standard deduction from gross income to get taxable income, then applying the 2025 marginal brackets. Standard deductions per IRS Rev. Proc. 2024-40: $15,000 for Single, $30,000 for Married Filing Jointly, $22,500 for Head of Household.

Social Security: 6.2% on wages up to the 2025 wage base of $176,100 (IRS Notice 2024-80). Medicare: 1.45% on all wages, plus an Additional Medicare Tax of 0.9% on wages above $200,000 (Single) or $250,000 (MFJ). Source: IRS Topic 751.

State tax uses simplified effective rates per state — a representative rate at the $60k single-filer income level. Nine states have no income tax. Progressive states may vary at higher or lower incomes; for a precise state tax figure consult your state revenue authority.

This calculator does not model: W-4 allowances, pre-tax 401(k) / 403(b) / HSA / FSA contributions, post-tax deductions (health insurance premiums, garnishments), local or city taxes (NYC, Yonkers, San Francisco), or state-specific surcharges (CA SDI, NJ FLI). For a precise paycheck, consult your most recent W-2 or pay stub.

Toggle between Annual Salary and Hourly Rate — both update in sync. If you know your annual salary (e.g., $75,000), enter it directly. If you know your hourly rate, switch to Hourly Rate and the annual equivalent auto-calculates based on your hours and weeks. Adjust Hours/Week and Weeks/Year if you work part-time, take unpaid leave, or work more than 40 hours per week. The default is 40 hours × 52 weeks = 2,080 annual hours, the standard full-time assumption.

Your filing status determines your standard deduction and tax bracket thresholds. Single applies to most unmarried filers. Married Filing Jointly applies to married couples who file one return together — they get a doubled standard deduction ($30,000 in 2025), which significantly reduces federal income tax. Head of Household applies to unmarried filers who pay more than half the cost of keeping a home for a qualifying person. Choosing the wrong filing status can overstate or understate your tax bill by thousands of dollars. If you're unsure, check your last year's W-2 or tax return.

Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. If you live in one of these, your take-home pay will be meaningfully higher than in high-tax states like California, Oregon, or Hawaii. State tax estimates in this calculator use simplified effective rates based on 2025 figures. Progressive states have brackets that vary by filing status and income level, so actual state taxes may differ — especially at very high or very low income levels. For precise state tax calculations, consult your state's tax authority or a CPA.

If you regularly work overtime, tap "Add Overtime" and enter the average overtime hours per week. The calculator applies the standard 1.5× rate (time-and-a-half) on top of your regular hourly pay. The overtime premium is added to your annual gross, which increases your taxable income — possibly pushing you into a higher bracket. For example, $60,000/year at 10 overtime hours/week adds roughly $7,500 in overtime premium, raising gross to ~$67,500 and increasing your effective tax rate slightly.