Calculate your exact take-home pay after federal and state taxes. Select your state, enter your gross pay and filing status to see your net paycheck — with a full breakdown of every deduction.
State Income Tax Rates (2025)
| State | Tax Rate | Notes |
|---|---|---|
| Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, Wyoming | 0% | No state income tax |
| New Hampshire | 0% | No tax on wages |
| Arizona | 2.5% flat | Flat rate |
| Colorado | 4.4% flat | Flat rate |
| Illinois | 4.95% flat | Flat rate |
| Pennsylvania | 3.07% flat | Flat rate |
| California | 1-13.3% | Highest in the US |
| New York | 4-10.9% | Plus NYC local tax |
Frequently Asked Questions
What is FICA tax?
FICA (Federal Insurance Contributions Act) tax includes Social Security (6.2% up to $176,100 in 2025) and Medicare (1.45% on all wages). The combined employee FICA rate is 7.65% of gross pay.
What is the standard deduction for 2025?
The 2025 standard deduction is $15,000 for single filers, $30,000 for married filing jointly, and $22,500 for head of household.
What states have no income tax?
Nine states have no income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming.
Does contributing to 401(k) reduce my taxes?
Yes. Traditional 401(k) contributions are pre-tax, reducing your federal and state taxable income. The 2025 contribution limit is $23,500.
Related calculators: Salary Calculator | Self-Employment Tax Calculator