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Gross to Net Salary Calculator

See what a salary actually pays. Enter the gross (before-tax) amount, pick your state, and get your estimated take-home — weekly, biweekly, monthly, and annual — with every tax line shown.

Your salary

The full before-tax amount on your offer letter or pay stub — cents allowed (e.g. 62,500.50).

Simplified 2026 single-filer model: federal brackets and standard deduction, FICA, and state income tax. Pre-tax deductions and local taxes are on the state pages.

Estimated take-home

Net pay per year
$47,580
Federal income tax$5,020
Social Security$3,720
Medicare$870
State income tax$2,810
Total tax$12,420
Effective tax rate20.7%
PeriodGrossNet
Weekly$1,154$915
Every 2 weeks$2,308$1,830
Twice a month$2,500$1,983
Monthly$5,000$3,965
Annual$60,000$47,580

How gross-to-net works

Gross pay is the headline number on an offer; net pay is what you can actually spend. Between them sit federal income tax, Social Security (6.2% up to the 2026 wage base of $184,500), Medicare (1.45%, plus 0.9% on high wages), and state income tax — which ranges from zero in nine states to double digits in California and Hawaii.

Example: $60,000 gross, single filer

StateNet take-homeEffective tax
Texas (no state income tax)$50,39016%
California (high state tax)$47,81720%

Same gross salary, $2,573 difference in take-home. For the precise per-state version with 401(k), health premiums, and local tax inputs, use the state paycheck calculators — or work the problem in reverse on the net to gross calculator.

Reading the numbers

  • Effective tax rate is total tax divided by gross — what a raise actually nets you is (1 − this rate) per extra dollar.
  • Paycheck amounts are the annual figures split per period; actual checks differ slightly by payroll rounding.
  • Comparing offers? Run both through this page — cross-state differences of $3,000–$5,000 a year on the same gross are normal.

Frequently asked questions

How do I calculate net pay from gross pay?

Start from gross (before-tax) pay and subtract, in order: federal income tax (after the standard deduction and your brackets), Social Security at 6.2% of wages up to $184,500, Medicare at 1.45% (plus 0.9% above $200,000 single / $250,000 joint), and your state's income tax. The calculator above does exactly this for any state — enter your gross salary and read the take-home.

What percentage of my gross salary becomes net?

For a typical single filer it lands between roughly 80% and 84%. At $60,000 a year, a no-tax state like Texas keeps about 84% ($50,390), while California keeps about 80% ($47,817) — the spread is almost entirely state income tax.

Is net pay the same as take-home pay?

Yes — net pay, take-home pay, and after-tax income all mean what reaches your bank account. Note that voluntary deductions like 401(k) contributions and health premiums also shrink the deposit; the per-state versions of this calculator on our state paycheck pages model those too.

How do I go the other way — from net to gross?

If you know the take-home you need and want the gross salary to ask for, use the net to gross salary calculator: it reverse-solves the gross that nets your target in any state.