Estimate your take-home pay after all federal and state taxes. Updated for 2024 tax rates.
Most Americans take home 65–80% of their gross pay. The difference goes to federal taxes (10–37%), FICA taxes (7.65%), and state taxes (0–13%). This is why budgeting from your net pay — not your salary — is essential.
Adjust your W-4 if you consistently get a large refund. Maximize pre-tax benefits (401k, HSA, FSA) to reduce taxable income. Live in a no-income-tax state if possible (TX, FL, WA, NV, WY, SD, AK, TN, NH).