Take-Home Pay Calculator by State

Compare salary scenarios across U.S. states to see estimated annual, monthly, and biweekly net pay after federal, FICA, and baseline state taxes.

This page is the editorial hub for indexed take-home-pay scenarios. It links to benchmark salary points that we keep updated and quality-reviewed.

How to use this calculator effectively

1. Pick a state and a salary benchmark close to your current compensation.
2. Review annual and monthly net estimates plus effective tax rate.
3. Compare the same salary in multiple states before relocation or job changes.
4. Use nearby salary links on each scenario page for offer-to-offer comparisons.

Quick links by state

Select a state and start from one of the most requested salary points.

Indexed salary benchmarks

We prioritize these salary points for indexing to keep coverage focused on scenarios with clear user demand and editorial review.

Custom salary URLs still work for user exploration, but they are not always prioritized for indexing.

Methodology summary

• Federal tax is estimated with a simplified progressive bracket model.
• FICA is estimated from Social Security and Medicare payroll rules.
• State-level estimates use each state's broad income-tax status and baseline effective rates.
• Outputs are annualized and converted into monthly and biweekly estimates.

Full model assumptions and update cadence are documented on /methodology.

Limitations and responsible use

• Local taxes, itemized deductions, credits, and pre-tax benefits are not fully modeled.
• Actual payroll withholding can vary by employer configuration and pay frequency.
• Use this tool for planning, then confirm with paystubs and official IRS/state resources.

Primary references

• IRS Tax Withholding Estimator
• IRS Publication 15-T
• IRS Social Security and Medicare Tax Rates