{
  "@context": "https://schema.org",
  "@type": "Dataset",
  "name": "How do you calculate take-home pay?",
  "description": "Start with gross pay, subtract pre-tax deductions (401(k), health premiums), then subtract federal income tax, state income tax, and FICA (7.65%: 6.2% Social Security + 1.45% Medicare). On a $75,000 salary with no pre-tax deductions, a single filer in 2025 keeps roughly $59,600 — about 79% of gross.",
  "url": "https://www.revenuelab.fyi/answers/how-to-calculate-take-home-pay",
  "dateModified": "2026-10-01",
  "creator": {
    "@type": "Organization",
    "name": "RevenueLab",
    "url": "https://www.revenuelab.fyi"
  },
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "keywords": [
    "Take-Home Pay Calculator",
    "Paycheck Estimator",
    "NYC Paycheck Calculator"
  ],
  "distribution": {
    "@type": "DataDownload",
    "contentUrl": "https://www.revenuelab.fyi/api/public/page.json?path=answers%2Fhow-to-calculate-take-home-pay",
    "encodingFormat": "application/json"
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  "json": {
    "type": "answer",
    "question": "How do you calculate take-home pay?",
    "shortAnswer": "Start with gross pay, subtract pre-tax deductions (401(k), health premiums), then subtract federal income tax, state income tax, and FICA (7.65%: 6.2% Social Security + 1.45% Medicare). On a $75,000 salary with no pre-tax deductions, a single filer in 2025 keeps roughly $59,600 — about 79% of gross.",
    "tableTitle": "Worked example: $75,000 salary, single filer, no state income tax (2025)",
    "columns": [
      "Step",
      "Amount",
      "Note"
    ],
    "rows": [
      {
        "label": "Gross pay",
        "value": "$75,000",
        "note": "Annual salary"
      },
      {
        "label": "Standard deduction",
        "value": "−$15,000",
        "note": "Taxable income = $60,000"
      },
      {
        "label": "Federal income tax",
        "value": "−$8,014",
        "note": "10%/12%/22% brackets"
      },
      {
        "label": "Social Security (6.2%)",
        "value": "−$4,650",
        "note": "On full gross"
      },
      {
        "label": "Medicare (1.45%)",
        "value": "−$1,088",
        "note": "No cap"
      },
      {
        "label": "Take-home pay",
        "value": "$61,248",
        "note": "≈ $2,356 per biweekly check"
      }
    ],
    "context": "The order matters: pre-tax deductions (traditional 401(k), HSA, health premiums) come out before income tax is figured, which lowers the tax itself. FICA is different — it's charged on gross pay before the standard deduction, so everyone pays the full 7.65% on wages up to the Social Security wage base ($176,100 in 2025). State tax ranges from 0% (Texas, Florida, and seven others) to over 13% top marginal (California), so the same salary can differ by $400+ per month depending on where you live.",
    "methodology": "Federal tax uses the 2025 brackets for a single filer: 10% to $11,925, 12% to $48,475, 22% to $103,350. FICA is 6.2% Social Security (capped at the $176,100 wage base) plus 1.45% Medicare on all wages. Example assumes no pre-tax deductions and no state income tax; your pay stub may also show post-tax items like Roth contributions or garnishments.",
    "dateModified": "2026-10-01",
    "relatedCalculators": [
      {
        "label": "Take-Home Pay Calculator",
        "to": "/paycheck-take-home-calculator"
      },
      {
        "label": "Paycheck Estimator",
        "to": "/paycheck-estimator"
      },
      {
        "label": "NYC Paycheck Calculator",
        "to": "/nyc-paycheck-calculator"
      }
    ],
    "relatedReading": [
      {
        "label": "What percentage of a paycheck goes to taxes?",
        "to": "/answers/what-percentage-of-paycheck-goes-to-taxes"
      },
      {
        "label": "How to read pay stub deductions",
        "to": "/answers/how-to-read-pay-stub-deductions"
      }
    ]
  }
}