Deep Tax Calculator

Estimate your US take-home pay with 2025 federal brackets, FICA, pre-tax retirement, deductions, and a state estimate. See effective vs marginal rates and where every dollar goes.

Filing status

Gross annual incomePre-tax retirement (401k, etc.)Itemized deductions (0 = use standard $15,000)State income tax rate · 5%

Estimated take-home

$88,966

$7,414 / month

Take-home

$88,966

Federal

$16,254

FICA

$9,180

State

$5,600

Effective rate

25.9%

Marginal (federal)

22%

Total tax

$31,034

Federal taxable

$97,000

2025 federal brackets, FICA (Social Security 6.2% to $176,100, Medicare 1.45% plus 0.9% surtax). State is a flat estimate, not actual state brackets. For planning only, not tax advice.