Net Pay Calculator
Enter your hourly rate and hours — see your real take-home pay after federal, FICA, and state tax.
Quick Answer
At $25/hour, 40 hours a week, filing single with no state tax, your net pay is around $43,962/year — about $3,664/month — after roughly $4,060 in federal tax and $3,978 in FICA.
Net pay — also called take-home pay — is what actually lands in your bank account after every deduction comes out of your gross wages: federal income tax, FICA (Social Security and Medicare), state income tax where it applies, and any pre-tax deductions like 401(k) contributions or health insurance premiums. It's the number that matters for budgeting, since your gross salary or hourly rate never reflects what you can actually spend.
Gross pay is your full earnings before anything is withheld. Net pay is what remains after taxes and deductions:
| Term | What It Means |
|---|---|
| Gross Pay | Your full salary or hourly earnings before any deductions. |
| Pre-Tax Deductions | 401(k), HSA, and similar contributions, subtracted before tax is calculated. |
| Federal & State Tax | Calculated on your taxable income using progressive brackets. |
| FICA | A flat-rate deduction for Social Security and Medicare. |
| Net Pay | What's left — your actual take-home pay. |
Based on 40 hours a week, single filer, no state tax and no 401(k) contribution — for example, this is roughly what $30 an hour comes out to after taxes in a year:
| Hourly Rate | Gross Annual | Net Annual | Net Monthly |
|---|---|---|---|
| $20/hr | $41,600 | $35,606 | $2,967 |
| $25/hr | $52,000 | $43,962 | $3,664 |
| $30/hr | $62,400 | $52,318 | $4,360 |
| $35/hr | $72,800 | $60,045 | $5,004 |
Add your state above for a more precise number — these examples assume no state income tax.
This calculator works in one direction — gross pay to net pay — rather than solving backward from a target take-home number, since the required gross amount depends on which tax brackets you'd land in, which shift as the gross itself changes. In practice, the easiest way to find it is to try a gross salary above your target net pay, check the result, and adjust up or down a few times until the net pay matches what you need. Most people land on the right figure within two or three tries.
Because federal tax uses progressive brackets, your effective tax rate rises as income rises. A $30,000 salary and a $130,000 salary don't lose the same percentage to federal tax, even though FICA is closer to flat.
It can. Nine states have no wage income tax at all, while states like California and New York have progressive brackets that can take a meaningfully larger bite than a flat-tax or no-tax state.
Less than the contribution amount itself — because the contribution is pre-tax, part of what you're "giving up" would have gone to taxes anyway. A $200/month contribution might only reduce take-home pay by $140-$160, depending on your tax bracket.
It should be close, but your actual pay stub may include additional items this calculator doesn't model, such as health insurance premiums, HSA contributions, wage garnishments, or local city taxes.