Take-Home Pay Calculator
The salary in your offer letter isn't the money you get. Federal tax, FICA, and state tax all take a cut first. Punch in your number and see what actually lands in your account.
What actually hits your bank account?
Your offer letter says one number. Taxes say another. Here's the real one.
Your take-home pay, per year
$54,661
Per month
$4,555
Per paycheck (biweekly)
$2,102
Out of $75,000, taxes take 22.1%. You keep $54,661 in spendable cash plus $3,750 growing in your 401(k).
How this works
We start from your gross salary and subtract the four things that stand between it and your bank account: federal income tax (2025 brackets, after the standard deduction), FICA (6.2% Social Security up to $176,100 + 1.45% Medicare), your state income tax, and any pre-tax 401(k) contribution.
A note on the 401(k): that money isn't lost — it's just not spendable cash this paycheck. It lowers your federal and state tax now and keeps growing. FICA is still charged on it, which is why your Social Security and Medicare don't drop when you contribute.
State tax is a single flat rate here, not a full 50-state model — real state systems have their own brackets and deductions. Use it as a close estimate, and set it to 0% if you live in a no-income-tax state like Texas, Florida, or Washington.
// Estimate only. Not tax or financial advice. Withholding, local taxes, and pre-tax benefits will move your real number.