Gross to Net Calculator
Calculate your take-home pay by deducting taxes from gross income.
Enter Income Details
Calculation Formula
Net = Gross - (Gross × Federal%) - (Gross × State%) - (Gross × 7.65%)
Example Calculations
Example 1: $50k Salary in California
Gross: $50,000 | Federal: 12% | State: 5%
Federal: $6,000 | State: $2,500 | FICA: $3,825
Net = 50,000 - 6,000 - 2,500 - 3,825 = $37,675
Example 2: Texas Resident (No State Tax)
Gross: $75,000 | Federal: 22% | State: 0%
Federal: $16,500 | FICA: $5,737.50
Net = 75,000 - 16,500 - 5,737.50 = $52,762.50
Example 3: Part-Time $25k Income
Gross: $25,000 | Federal: 10% | State: 3%
Federal: $2,500 | State: $750 | FICA: $1,912.50
Net = 25,000 - 2,500 - 750 - 1,912.50 = $19,837.50
Example 4: High Income Earner $200k
Gross: $200,000 | Federal: 32% | State: 8%
Federal: $64,000 | State: $16,000 | FICA: $15,300
Net = 200,000 - 64,000 - 16,000 - 15,300 = $104,700
Example 5: Freelancer with $85k
Gross: $85,000 | Federal: 24% | State: 6%
Federal: $20,400 | State: $5,100 | FICA: $6,502.50
Net = 85,000 - 20,400 - 5,100 - 6,502.50 = $52,997.50
Example 6: Hourly Worker ($18/hr)
Gross: $37,440 | Federal: 12% | State: 4%
Federal: $4,492.80 | State: $1,497.60 | FICA: $2,864.16
Net = 37,440 - 4,492.80 - 1,497.60 - 2,864.16 = $28,585.44
Example 7: Bonus Payment $10k
Gross: $10,000 | Federal: 22% | State: 5%
Federal: $2,200 | State: $500 | FICA: $765
Net = 10,000 - 2,200 - 500 - 765 = $6,535
Example 8: Retirement Income $45k
Gross: $45,000 | Federal: 12% | State: 3%
Federal: $5,400 | State: $1,350 | FICA: $3,442.50
Net = 45,000 - 5,400 - 1,350 - 3,442.50 = $34,807.50
Example 9: Commission-Based $120k
Gross: $120,000 | Federal: 24% | State: 7%
Federal: $28,800 | State: $8,400 | FICA: $9,180
Net = 120,000 - 28,800 - 8,400 - 9,180 = $73,620
Example 10: Married vs Single Comparison
Gross: $100,000 | Federal (Single): 24% | Federal (Married): 22%
Single Net: $100k - $24k - $5k - $7,650 = $63,350
Married Net: $100k - $22k - $5k - $7,650 = $65,350
Frequently Asked Questions
1. What's the difference between gross and net income?
Gross income is total earnings before deductions. Net income is take-home pay after all taxes and deductions.
2. Why is FICA 7.65%?
FICA includes 6.2% Social Security tax + 1.45% Medicare tax. Employers match this contribution.
3. Are state taxes deductible federally?
Yes, state income taxes can be deducted from federal taxable income if you itemize deductions.
4. Why don't some states have income tax?
States like Texas and Florida generate revenue through other means (sales tax, property tax).
5. How often are taxes deducted?
Typically each pay period. This calculator shows annual totals.
6. What about pre-tax deductions?
This calculator assumes post-tax deductions. For 401(k) or health insurance, subtract those first.
7. Are tax brackets progressive?
Yes, but this calculator uses flat rates for simplicity. Actual federal taxes use marginal rates.
8. What if I'm self-employed?
You'd pay both employer and employee FICA (15.3%). Adjust rates accordingly.
9. How accurate is this calculator?
Provides estimates. Actual withholdings depend on W-4 allowances and other factors.
10. How do I check my withholdings?
Use the IRS W-4 calculator and review pay stubs regularly.
