Take-Home Pay Calculator

Gross annual pay ($)

Pre-tax deductions per year ($)

401(k), health premiums, HSA/FSA.

Federal effective rate (%)

Total federal tax ÷ gross income, from last year’s return — not your top bracket.

State + local rate (%)

0 in states with no income tax.

FICA (%)

Social Security 6.2% + Medicare 1.45%.