Estimate what actually lands in your bank account after payroll taxes and deductions.
Your take-home pay = gross salary − FICA taxes (6.2% Social Security + 1.45% Medicare) − pre-tax deductions (401k, health insurance) − federal & state income tax withholding. FICA rates are fixed by law; income tax withholding depends on your filing status and bracket.
This tool uses the actual FICA rates (6.2% / 1.45%) and asks YOU for your effective income tax rate, rather than guessing federal/state tax brackets — brackets change by state and situation, so we don't invent a number for you.
| Tax | Employee rate | Wage cap |
|---|---|---|
| Social Security | 6.2% | Annual wage base — adjusts yearly, confirm at ssa.gov |
| Medicare | 1.45% (+0.9% over $200K single) | No cap |
This calculator caps Social Security tax at the current wage base and never invents a federal/state income tax bracket — you supply your own effective rate from a pay stub or the IRS withholding estimator, since brackets vary by state, filing status, and change yearly.
Methodology: Pre-tax deductions reduce the income subject to your supplied income tax rate but NOT the income subject to FICA (which by law applies to full gross wages, capped only for Social Security). This is an estimate — your actual paycheck also depends on your W-4 elections, benefits, and local taxes not modeled here.