Tired of guessing your take-home pay? Our **2025 Salary Tax Calculator** gives you an instant, accurate estimate after all federal taxes and pre-tax deductions. Instantly see how pre-tax deductions impact your net income with interactive sliders and charts.
**Enter Your Annual Salary:** Input your gross salary in the first field or use the slider.
**Select Your Filing Status:** Choose your federal tax filing status from the dropdown menu.
**Add Pre-Tax Deductions:** Enter amounts for retirement (401k, IRA), HSA/FSA, or other pre-tax items.
**View Your Results:** The charts and tables will instantly update to show your estimated take-home pay and tax breakdown.
Your Estimated 2025 Paycheck
Take-Home Pay
Total Tax
Detailed Breakdown
Paycheck Breakdown (Monthly)
Annual Summary
How Your 2025 Federal Taxes Are Calculated
This calculator provides a detailed estimate of your federal tax obligations for the **2025 tax year**. It does not include state or local taxes, which vary by location.
1. Calculating Your Taxable Income
Your "take-home" pay isn't based on your gross salary. First, we determine your taxable income:
Adjusted Gross Income (AGI): We start with your gross salary and subtract your pre-tax deductions (like 401(k), traditional IRA, and HSA/FSA contributions).
Standard Deduction: We then subtract the 2025 standard deduction for your filing status to arrive at your final taxable income.
2. Calculating Your Taxes
Two main types of federal taxes are withheld from your paycheck:
Federal Income Tax: This is calculated progressively using the 2025 marginal tax brackets. This means different portions of your income are taxed at different rates.
FICA Taxes (Payroll Taxes): This is a flat-rate tax that funds Social Security and Medicare.
Social Security: 6.2% on income up to the annual wage base ($176,100 for 2025).
Medicare: 1.45% on all your earnings, with an additional 0.9% on earnings over a certain threshold depending on your filing status.
Your final take-home pay is your gross salary minus all pre-tax deductions and all calculated taxes.
Frequently Asked Questions (FAQ)
What is the difference between my gross salary and my take-home pay?
Your gross salary is your total annual pay before any deductions. Your take-home pay (or net pay) is the amount you receive after all pre-tax deductions and taxes have been subtracted.
Does this calculator include state or local taxes?
No, this calculator is for **federal taxes only**. State and local tax rates vary widely and can significantly affect your final paycheck.
What is a FICA tax?
FICA stands for Federal Insurance Contributions Act, which funds Social Security and Medicare. These are mandatory payroll taxes withheld from your gross pay.
How do pre-tax deductions like a 401(k) or HSA lower my taxes?
Pre-tax deductions reduce your Adjusted Gross Income (AGI), which is the amount of money your federal income tax is calculated on. This lowers your overall tax liability.