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Tax & Salary

Salary & Tax Calculator

Your gross salary and your take-home pay are two very different numbers. This calculator breaks down every federal and state deduction so you know exactly what lands in your bank account — and what goes to taxes.

Salary & Tax Calculator

Take-home pay for Morocco, France, and the US.

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Video Guide — Coming Soon
A step-by-step walkthrough for this calculator is in production. Check back soon.

Key Metrics Explained

MetricDefinitionWhy It Matters
Gross SalaryYour total annual compensation before any deductions.The starting point — every tax and deduction is calculated as a percentage of this number.
Federal Income TaxTax owed to the US federal government based on progressive tax brackets.The largest single deduction for most workers — ranges from 10% to 37% depending on income level.
State Income TaxTax owed to your state — rates vary widely by state.Zero in states like Texas and Florida; up to 13.3% in California. Moving states can be a major raise.
Social SecurityFICA tax of 6.2% on income up to the annual wage base ($168,600 in 2024).Funds your future Social Security benefits — stops being deducted once you hit the wage cap.
MedicareFICA tax of 1.45% on all income (plus 0.9% surcharge over $200K).No wage cap — high earners pay this on every dollar earned.
Net Take-Home PayWhat you actually receive after all deductions.The number your budget should be based on — not gross salary.
Effective Tax RateTotal taxes paid ÷ gross income — your real average tax rate.Always lower than your marginal rate due to progressive brackets. A $100K earner pays ~22% effective, not 22% on all income.
Marginal Tax RateThe rate applied to your last dollar of income.Used for decisions like contributing to a 401(k) — every pre-tax dollar saves you your marginal rate.

Practical Use Cases

  • →Job offer comparison: Evaluate a $95K offer in Texas vs $105K in California — after state taxes, the Texas job may actually pay more.
  • →401(k) contribution decision: See how increasing your pre-tax 401(k) contribution reduces your taxable income and the net cost to your take-home pay.
  • →Salary negotiation prep: Enter your current salary and a target offer to see the exact after-tax difference you'd be gaining.

Frequently Asked Questions

What taxes are deducted from salary?
Federal income tax, state income tax, Social Security (6.2%), and Medicare (1.45%). Total deductions vary by income level and state.
What is an effective tax rate?
Your effective tax rate is the average rate you pay across all income — lower than the marginal (top bracket) rate due to progressive taxation.
How is net salary different from gross?
Gross salary is before deductions. Net salary (take-home pay) is what you actually receive after all taxes and contributions are deducted.