Easily estimate take home pay after income tax so you can have an idea of what to possibly expect when planning your budget
Summary
Enter your employment income into our paycheck calculator above to estimate how taxes in USA may affect your finances. You'll then get your estimated take home pay, an estimated breakdown of your potential tax liability, and a quick summary down here so you can have a better idea of what to possibly expect when planning your budget.
This paycheck calculator also works as an income tax calculator for United States, as it shows you how much income tax you may have to pay based on your salary and personal details.
To learn more about USA, its income tax, and tax brackets, so that you can get a deeper understanding of how your budget and finances may be affected, scroll down to our detail section below!
Quick Facts
- Main Language(s):English
- Currency:US Dollar ($)
- Capital:Washington DC
- Total Population:333,287,557
- Most Populous City:New York City
- Time Zone(s):UTC−4 to −12, +10, +11
(Summer: UTC−4 to −10) - International Phone Code:+1
- Driving Side:Right
- Climate:Extremely varied, almost every kind of climate type exists in the US
Special Note
- If a state has zero income tax, this usually means they find creative ways to tax you in other ways in order to compensate. For example, this could potentially be through higher property taxes, higher sales taxes, fewer state services, fewer state benefits, etc. Obviously, each state will be different and this may not be the case in every state. If you're comparing job offers from different states, it's just something to be aware of.
US Federal Income Tax Brackets and Other Details
The personal income tax system in the United States is a progressive tax system. This means that your income is split into multiple brackets where lower brackets are taxed at lower rates and higher brackets are taxed at higher rates. Federal tax rates range from 10% to 37% with each bracket being shifted slightly depending an individual's filing status.
Federal Income Tax Brackets
Single
Married Filing Jointly
Married Filing Separately
Head of Household
For 2023 tax year
| Taxable Income (USD) | Tax Rate |
|---|---|
| First 11,000 | 10% |
| From 11,000 to 44,725 | 12% |
| From 44,725 to 95,375 | 22% |
| From 95,375 to 182,100 | 24% |
| From 182,100 to 231,250 | 32% |
| From 231,250 to 578,125 | 35% |
| From 578,125 onwards | 37% |
For 2023 tax year
| Taxable Income (USD) | Tax Rate |
|---|---|
| First 22,000 | 10% |
| From 22,000 to 89,450 | 12% |
| From 89,450 to 190,750 | 22% |
| From 190,750 to 364,200 | 24% |
| From 364,200 to 462,500 | 32% |
| From 462,500 to 693,750 | 35% |
| From 693,750 onwards | 37% |
For 2023 tax year
| Taxable Income (USD) | Tax Rate |
|---|---|
| First 11,000 | 10% |
| From 11,000 to 44,725 | 12% |
| From 44,725 to 95,375 | 22% |
| From 95,375 to 182,100 | 24% |
| From 182,100 to 231,250 | 32% |
| From 231,250 to 346,875 | 35% |
| From 346,875 onwards | 37% |
For 2023 tax year
| Taxable Income (USD) | Tax Rate |
|---|---|
| First 15,700 | 10% |
| From 15,700 to 59,850 | 12% |
| From 59,850 to 95,350 | 22% |
| From 95,350 to 182,100 | 24% |
| From 182,100 to 231,250 | 32% |
| From 231,250 to 578,100 | 35% |
| From 578,100 onwards | 37% |
Besides the federal progressive tax bracket system, there also exists the alternative minimum tax (AMT) system primarily for high income earners with alternative income streams. Since our focus is on normal employment income, we will not cover that topic here.
Federal standard deductions
Taxpayers have two options when it comes to deductions. They can choose to individually itemize their deductions or they can select the standard deduction. For most individuals, the standard deduction will be larger than their itemized deduction and thus would be the better choice.
For 2023 tax year
| Filing Status | Federal Standard Deduction Amount |
|---|---|
| Single | $13,850 |
| Married Filing Jointly | $27,700 |
| Married Filing Separately | $13,850 |
| Head of Household | $20,800 |
Individuals age 65 an over and/or disabled are eligible for a slightly higher standard deduction for all filing statuses.
Non-residents are not eligible for any standard deductions on the federal level.
Social Security
Social Security, which is administered by the Social Security Administration, is the commonly used term for the federal Old-Age, Survivors, and Disability Insurance (OASDI) program.
Along with medicare, contributions to these are automatically withheld and deducted from your paychecks by your employer just like with both federal and state income taxes.
For employees, the contribution rate for social security is 6.2% while the contribution rate for medicare is 1.45%. Employers also contribute in equal amounts.
Social security contributions have a maximum cap on the applicable income which is called the wage base limit. For 2023, the wage base limit for social security contributions is $160,200.
Medicare contributions do not have any maximum cap on applicable income. Additionally, high income earners above a certain threshold, which varies depending on filing status, must contribute an extra 0.9% to medicare.
Resident status and applicable income
The United States is unique in that it levies tax on its citizens and residents on their worldwide income regardless of where they live or stay in the world. Note that many tax treaties do exist between the United States and other countries which help to reduce the tax burden by eliminating double taxation (being taxed on the same income by multiple countries).
Non-resident foreign nationals are generally taxed only on their US-sourced income and income that is related with a US trade or US business.
Foreign nationals can be considered residents under a wide variety of scenarios along with an equally wide variety of exceptions. One basic scenario is being a permanent resident in the way of possessing a green card. Another relatively basic scenario is via the "substantial presence test" which, for the most part, states that individuals that stay for at least 31 days in the current year plus a combined total of 183 equivalent days during the current year and prior two years may also be considered residents. Determining residence can get extremely complex really quickly, so for more details, please consult with a tax professional.
For foreign nationals, there are pros and cons with being considered a resident. First and foremost, being a resident would entail being taxed on their worldwide income which one might initially think would result in a higher tax bill, but it's important to note that non-residents are ineligible for most tax deductions and tax credits which basically help lower your tax. So, for foreign nationals, it's entirely possible that taxes may be lower when filing as a resident despite the drawback of being taxed on worldwide income.
State Income Tax
To see details about state income tax, scroll down to the additional states section and click on a name. Alternatively, fill in your before tax salary into our calculator at the top of page, select a state, and click calculate. Upon doing so, this page will automatically update to show details about your selected state.
