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Compensation

Salary & Tax Calculator

Gross → net take-home across US federal + state brackets.

Pre-tax benefits

2024 IRS brackets · Single · California state rate 9.30% · Top marginal 13.3% above $1M. State rates are flat approximations of effective rate. Estimates only — not tax advice.

Annual take-home
$91,616
$7,635/mo · $3,524/biweekly
Effective tax rate
31.32%
of gross
Marginal rate
24.00%
next dollar federal
Federal income tax
$22,803
standard ded.
State income tax
$12,890
Social Security
$9,151
6.2% to $168.6k
Medicare
$2,140
1.45%
AGI
$138,600
adjusted gross income
Taxable income
$124,000
after $14,600 standard
Where your money goes
Take-home61.08%
Pre-tax benefits7.60%
Federal15.20%
FICA7.53%
State8.59%
City0.00%
AI explainer

Ask anything about your result

The math above is deterministic. AI explains what it means — it never recalculates the numbers.

About

Estimate your true take-home pay after federal income tax, Social Security, Medicare, and state income tax. Built for US W-2 employees who want a fast, single-filer estimate before signing an offer or planning a move.

How it works

  1. 01Enter your gross annual salary and any pre-tax deductions (401(k), HSA, FSA).
  2. 02We apply the 2024 IRS federal brackets for a single filer to your taxable income.
  3. 03Social Security is 6.2% up to the $168,600 wage base. Medicare is 1.45% plus 0.9% above $200k.
  4. 04State tax is applied as an average flat rate for quick estimation, not a full progressive calculation.

Examples

$150k in California

A single filer earning $150,000 in California keeps roughly $98k–$103k after federal, state, and FICA — about a 32% effective rate.

$200k in Texas

Texas has no state income tax, so a $200k W-2 employee nets roughly $142k–$148k — saving ~$15k vs California at the same gross.

FAQ

Is this calculator accurate for tax filing?+
No — it's an estimate. We use single-filer federal brackets and a flat state rate. For filing, use a CPA or tax software that handles deductions, credits, AMT, and local taxes.
Does it handle married filing jointly?+
Not yet — current brackets are single filer. The married brackets roughly double the thresholds, so your effective rate will be lower at the same income.
What about RSU income or bonuses?+
Add expected bonus/RSU value to your gross salary input. Note RSUs are typically withheld at 22% federal (or 37% above $1M), which may differ from your bracket — you'll true up at tax time.
Why isn't my city listed?+
We use state-level averages. Local taxes (NYC, Philadelphia, San Francisco payroll expense) can add 1–4% and aren't modeled here.

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