Got a job offer and wondering what that gross salary actually means for your bank account? Our free net salary calculator gives you an instant, accurate breakdown of your take-home pay after all federal deductions.
👉 Try our free Net Salary Calculator
Gross Pay vs. Net Pay: What's the Difference?
Your gross salary is the total amount agreed with your employer before any deductions. Your net pay — also called take-home pay — is what actually hits your bank account after taxes and other mandatory contributions.
In the US in 2026, the typical employee loses 28 to 35% of their gross pay to federal deductions, including:
- Federal income tax (10% to 37% depending on your bracket)
- Social Security (6.2% up to the wage base limit)
- Medicare (1.45%, plus 0.9% surcharge above $200,000)
- State income tax (varies by state, 0% to 13%)
How to Use Our Net Salary Calculator
- Go to our Net Salary Calculator
- Enter your gross monthly or annual salary in dollars
- Select your filing status (Single, Married Filing Jointly, Head of Household)
- Get your estimated take-home pay and full tax breakdown instantly
Real Examples for 2026 (Single Filer, No State Tax)
| Gross Annual Salary | Estimated Take-Home | Effective Tax Rate |
|---|---|---|
| $40,000 | ~$32,500 | ~18.7% |
| $60,000 | ~$47,000 | ~21.6% |
| $80,000 | ~$60,800 | ~24.0% |
| $100,000 | ~$73,200 | ~26.8% |
2026 Federal Tax Brackets (Single Filer)
| Income Range | Tax Rate |
|---|---|
| $0 – $11,600 | 10% |
| $11,601 – $47,150 | 12% |
| $47,151 – $100,525 | 22% |
| $100,526 – $191,950 | 24% |
| $191,951 – $243,725 | 32% |
| $243,726 – $609,350 | 35% |
| Over $609,350 | 37% |
Don't Forget State Income Tax
Our calculator shows federal taxes only. Depending on your state, you may also owe state income tax ranging from 0% (Texas, Florida, Nevada) to over 13% (California). Always factor in your state rate for a complete picture.