US Salary Calculator ๐บ๐ธ
Federal + State Tax (2025/2026)
๐บ๐ธ US Net Pay (Take-Home)
Unlike Korea, US salaries have various and complex deduction items such as Federal Tax, State Tax, and FICA (Social Security/Medicare). Today Lab calculates accurately based on the latest 2025/2026 IRS tax brackets.
Progressive tax rates are applied, and tax is levied on the amount after subtracting the Standard Deduction from income.
- Tax Brackets (Single): 10%, 12%, 22%, 24%, 32%, 35%, 37% (7-step progressive)
- Standard Deduction (2025): $14,600 automatically deducted for Single
- Example: If salary is $50,000, tax is only charged on ($50,000 - $14,600) = $35,400
- Social Security (6.2%)Similar to National Pension. Only collected up to $176,100 (2025 cap).
- Medicare (1.45%)Health insurance for the elderly. Applied to all income without a cap, and an additional 0.9% for high earners ($200k+).
Tax rates vary greatly by state. This calculator simply applies the rate (%) entered by the user.
* State with no tax (0%): Texas, Washington, Florida, Nevada, etc.
* High-tax states (8~13%): California, New York, etc.
๐ฐ Monthly Net Pay Examples
| Salary (USD) | Monthly Net ($) | Federal Tax | FICA Tax |
|---|---|---|---|
| $50,000 | $3,382 | $314 | $319 |
| $100,000 | $6,339 | $1,351 | $638 |
| $150,000 | $9,161 | $2,382 | $956 |
* Average monthly amount assuming Single, 0% state tax.
๐งฎ How is Net Pay Calculated?
Net Pay = Gross Pay - (Federal + FICA + State Tax)
Gross Salary - Standard Deduction($14,600) = Taxable Income (Before 401k or insurance premiums)
Apply progressive rates (10~37%) to taxable income by bracket and sum them up.
Multiply Gross by Social Security(6.2%) and Medicare(1.45%) (No deductions applied)
๐ก Frequently Asked Questions (FAQ)
- Q. Is the State Tax accurate?
- Each of the 50 US states has a different tax rate (0% ~ 13.3%). This calculator estimates based on the rate (%) you entered. The exact amount may vary depending on the specific tax laws of your state and city.
- Q. Are company health insurance premiums included?
- No, they are not. FICA Tax (Medicare) is public insurance, and private Health Insurance (PPO, HDHP, etc.) varies by company plan and is deducted separately. Generally, an additional $100 ~ $500 per month may be deducted.
- Q. Is the Tax Return reflected?
- This calculator is based on 'Withholding' taken from your monthly paycheck. Depending on your Tax Return filing result (e.g., Form 1040) at the end of the year, you may receive a refund or have to pay more.