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, a typical single employee loses roughly 15% to 25% of gross pay to federal income tax and payroll taxes — more once state income tax is added. The pieces are:
- Federal income tax (10% to 37% depending on your bracket)
- Social Security (6.2% up to the $184,500 wage base)
- 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 instantly
Real Examples for 2026 (Single Filer, Standard Deduction, No State Tax)
| Gross Annual Salary | Estimated Take-Home | Effective Tax Rate |
|---|---|---|
| $40,000 | ~$34,300 | ~14.2% |
| $60,000 | ~$50,400 | ~16.0% |
| $80,000 | ~$65,100 | ~18.6% |
| $100,000 | ~$79,200 | ~20.8% |
Take-home here is gross minus federal income tax (on income above the $16,100 standard deduction) and 7.65% FICA — the same method the calculator uses.