Home > In-Hand Salary Calculator (USA)

In-Hand Salary Calculator (USA)

Calculate your in-hand salary after income tax, employee and employer provident fund, and gratuity deductions. Compare the Old and New Tax Regimes in India.

Monthly In-Hand Salary $0
Annual In-Hand Salary $0
Annual Federal Tax $0
Annual State Tax $0
Annual FICA Tax $0

What is In-Hand Salary?

The in-hand salary (or take-home pay) is the amount that actually gets deposited into your bank account after all deductions such as federal and state income tax, Social Security, Medicare (FICA), and optional contributions like 401(k). Understanding your net pay is crucial for budgeting, planning savings, and evaluating job offers.

Use this free online U.S. In-Hand Salary Calculator to estimate your monthly and yearly take-home salary. Whether you're negotiating a job offer, considering a raise, or doing tax planning, this tool helps you visualize your deductions and net pay instantly.

Key Components of U.S. Salary Structure

  • Annual CTC (Cost to Company): The total compensation package, including salary, bonuses, benefits, and employer-paid taxes or contributions.
  • Gross Salary: Your total earnings before taxes or deductions.
  • FICA Taxes: Mandatory payroll taxes for Social Security (6.2%) and Medicare (1.45%), totaling 7.65% of your income.
  • Federal & State Income Taxes: Based on your filing status and income bracket, these are deducted directly from your paycheck.
  • 401(k) Contributions: Optional retirement savings deducted from your paycheck, which can reduce your taxable income.
  • Health Insurance Premiums: Often deducted pre-tax if offered through your employer.

Federal Tax Filing Status – Why It Matters

The calculator lets you choose between Single, Married Filing Jointly, or Head of Household. Each has different standard deductions and tax brackets which impact your take-home salary.

How to Use This U.S. In-Hand Salary Calculator

  1. Enter your annual CTC or gross salary.
  2. Adjust employer and employee 401(k) contributions if applicable.
  3. Select your Filing Status and applicable State.
  4. Choose optional deductions like health insurance or pre-tax benefits.
  5. View your estimated monthly and annual net salary and tax breakdown.

Benefits of Using Our U.S. Salary Calculator

  • Free and Instant: Completely free and delivers results in real-time.
  • Filing Status Options: Supports Single, Married Filing Jointly, and Head of Household.
  • State-Level Tax Support: Includes state tax estimates for all 50 states.
  • Accurate Deductions: Reflects real-world deductions including FICA, 401(k), health insurance, and more.
  • FY 2025–26 Ready: Based on the latest IRS tax brackets and standard deductions.

2025 Federal Tax Brackets (Single Filer)

Income Range (USD) Tax Rate
Up to $11,60010%
$11,601 – $47,15012%
$47,151 – $100,52522%
$100,526 – $191,95024%
$191,951 – $243,72532%
$243,726 – $609,35035%
Above $609,35037%

Also try: SIP Calculator, Car Loan EMI Calculator, Home Loan EMI Calculator, Compound Interest Calculator, Simple Interest Calculator, FD Calculator, RD Calculator

💼 Is take-home salary the same as net pay?▼
Yes. Take-home pay and net salary both refer to your earnings after all payroll deductions.
📊 What’s the difference between gross and net pay?▼
Gross pay is your total earnings before taxes. Net pay is what you actually take home after deductions.
🧮 How are federal and state taxes calculated?▼
Federal taxes are based on IRS tax brackets and filing status. State taxes vary by location and may be flat or progressive.
🏦 Does contributing to a 401(k) reduce my taxable income?▼
Yes, traditional 401(k) contributions are pre-tax and reduce your taxable income, which can lower your federal tax bill.
📈 Can I use this for offer comparisons?▼
Absolutely! Just input the gross salary of each offer and compare net salaries to make a well-informed decision.

Start using the most accurate and up-to-date U.S. take-home salary calculator and make smarter financial decisions today – free, online, and tailored for FY 2025–26.