Understanding Take-Home Pay
Your take-home pay (also called net pay) is the amount of money you receive in your paycheck after all tax deductions. The three main deductions from your gross salary are federal income tax, state income tax, and FICA taxes (Social Security and Medicare). The amount you owe in each category depends on your salary level, filing status, and state of residence.
The calculations on this page use 2025 federal tax brackets for a single filer with the standard deduction of $14,600. FICA taxes include Social Security (6.2% on income up to $168,600) and Medicare (1.45% on all income). State taxes use approximate effective rates for each state.
No Income Tax States
Three states featured here — Texas, Florida, and Washington — have no state income tax. Workers in these states keep more of each paycheck, though these states often have higher sales taxes or property taxes. Alaska, Nevada, South Dakota, Tennessee, and Wyoming also have no state income tax.