Take-Home Pay Calculator — 公式
## How Take-Home Pay Is Calculated
Your take-home pay is the gross salary minus all deductions: federal income tax, state income tax, FICA (Social Security + Medicare), and retirement contributions.
### Formula
**Net Pay = Gross - Federal Tax - State Tax - FICA (7.65%) - Retirement**
FICA includes Social Security (6.2%) and Medicare (1.45%), totaling 7.65% on wages up to the Social Security cap.
Your take-home pay is the gross salary minus all deductions: federal income tax, state income tax, FICA (Social Security + Medicare), and retirement contributions.
### Formula
**Net Pay = Gross - Federal Tax - State Tax - FICA (7.65%) - Retirement**
FICA includes Social Security (6.2%) and Medicare (1.45%), totaling 7.65% on wages up to the Social Security cap.
计算示例
Annual salary of $60,000 with 12% federal rate, 5% state, 6% retirement.
- FICA = $60,000 x 7.65% = $4,590
- Federal tax = $60,000 x 12% = $7,200
- State tax = $60,000 x 5% = $3,000
- Retirement = $60,000 x 6% = $3,600
- Total deductions = $4,590 + $7,200 + $3,000 + $3,600 = $18,390
- Net annual = $60,000 - $18,390 = $41,610
- Net monthly = $41,610 / 12 = $3,467.50