Which states have no income tax?

Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming.

Does this assume single filing?

Yes. Married filing jointly roughly doubles bracket widths and the standard deduction, so joint filers will see a lower effective rate.

Do 401(k) contributions cut FICA?

No. Traditional 401(k) contributions reduce income tax only — Social Security and Medicare still apply to the full wage.

What about the additional Medicare tax?

An extra 0.9% applies to wages above $200,000 for single filers. This estimator does not include it.

US Paycheck & Take-Home Calculator

Federal, state, Social Security and Medicare withholding.

An American paycheck is reduced by federal income tax, state income tax where it applies, and FICA — the combined Social Security and Medicare contributions. This calculator estimates all of them from your gross annual salary, state of employment, and pay frequency, using 2025 brackets and the single-filer standard deduction of $15,000.

Federal income tax is progressive across seven brackets from 10% to 37%, applied only to income above the standard deduction. Social Security takes 6.2% of wages up to the $176,100 wage base, and Medicare takes 1.45% with no ceiling. State tax varies enormously: nine states including Texas, Florida, and Washington levy no income tax at all, while California and New York apply steeply progressive schedules.

Pre-tax 401(k) contributions reduce federal and state taxable income but not FICA, which is why a contribution never saves the full marginal rate. The result below shows annual and per-paycheque figures plus your effective rate. It is a planning estimate, not a substitute for a W-4 worksheet or a tax preparer.

Your numbers

Gross annual salary

State

Pay frequency

Annual 401(k) contribution (optional)

Net pay per period

$2,639.52

🇺🇸 US · USD

Gross annual salary: $85,000.00
Federal income tax: $9,870.00
State income tax (TX, ~0%): $0.00
Social Security (6.2%): $5,270.00
Medicare (1.45%): $1,232.50
Annual take-home pay: $68,627.50
Effective deduction rate: 19.26%

Estimates only. Results from this calculator are for general informational purposes and are not tax, legal, accounting or financial advice. Rates change and individual circumstances vary — confirm figures with the CRA, the IRS, your state or provincial authority, or a licensed professional before acting on them.

How it's calculated

Taxable income = Gross salary − 401(k) − Standard deduction ($15,000)
Federal tax = progressive brackets 10% / 12% / 22% / 24% / 32% / 35% / 37%
FICA = 6.2% Social Security up to $176,100 + 1.45% Medicare on all wages
Take-home = Gross salary − 401(k) − Federal − State − FICA

State tax uses an approximate effective rate per state rather than full bracket tables, so treat the state line as a planning estimate.

Understand the numbers

Sales tax nexus: physical presence, economic nexus and next steps

Frequently asked questions

Which states have no income tax?: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming.
Does this assume single filing?: Yes. Married filing jointly roughly doubles bracket widths and the standard deduction, so joint filers will see a lower effective rate.
Do 401(k) contributions cut FICA?: No. Traditional 401(k) contributions reduce income tax only — Social Security and Medicare still apply to the full wage.
What about the additional Medicare tax?: An extra 0.9% applies to wages above $200,000 for single filers. This estimator does not include it.

Related calculators

US Sales Tax CalculatorState base rates plus your local district rate.US Mortgage CalculatorPrincipal, interest, taxes, insurance and PMI.Canada Take-Home Pay CalculatorFederal and provincial tax, CPP and EI on your salary.Hourly Rate CalculatorConvert a target salary into an hourly billing rate.

Sources & methodology

FTT Finance-To-Thrive is an independent publisher of free finance calculators. The links below explain the rules and assumptions relevant to this page. Calculators use simplified models; for example, state and provincial income-tax estimates may omit brackets, credits, or local rules. See the formula and limitations on each calculator. We are not accountants, tax preparers, mortgage brokers or financial advisors, and nothing on this page is advice. Rates change and individual circumstances vary — confirm figures against the primary source before you file, sign or commit money. Read more about how we work and our funding & disclosure.

Primary sources

Source links are provided separately from the original content dates. They do not imply that an authority endorses this site or that every figure has been independently reviewed.