估算联邦税、社保、医保及州税后的实际到手收入
| 项目 | 金额 ($) |
|---|---|
| 年收入（税前） | -- |
| 税前扣除 | -- |
| 应税收入 | -- |
| 联邦个人所得税 | -- |
| 社会保障税 (6.2%) | -- |
| 医疗保险税 (1.45%) | -- |
| 州个人所得税 | -- |
| 总税款与扣除 | -- |
| 净到手收入 | -- |
美国的薪资扣除主要包含三大部分：联邦个人所得税、FICA税（社会保障与医疗保险）、以及州所得税（部分州免征）。本工具帮助您快速估算实际到手收入，了解每项扣款的具体金额。
采用超额累进税率，税率从10%逐步升至37%，具体取决于您的报税身份（单身、夫妻合并申报、户主）和应税收入。应税收入 = 年收入 - 税前扣除（如401k、健康储蓄账户等）。
社会保障税率为6.2%，但有工资基数上限（每年调整）；超出上限的部分不再缴纳。医疗保险税率为1.45%，高收入者可能还需缴纳额外的0.9%附加税。
各州税率差异很大：如加利福尼亚州最高可达13.3%，而德克萨斯州、佛罗里达州等则完全不征收州个人所得税。本计算器内置了常见州的参考税率，也可手动输入自定义税率。
传统 401k 供款属于税前扣除，会降低您的应税收入，从而减少当期联邦税和州税。但提款时需纳税。本计算器的“税前扣除”字段可用于模拟此项。
不同的报税身份适用不同的税率级距和标准扣除额。夫妻合并申报通常享有更宽的税率区间，而户主身份则介于单身与合并申报之间。
可能略有差异。工资单上的预扣税还受W-4表格填写、地方税、其他福利扣除等因素影响。本计算器提供的是简化估算，实际以雇主发放的工资单为准。
Estimate take-home pay after federal tax, FICA, and state tax
| Item | Amount ($) |
|---|---|
| Gross Salary | -- |
| Pre‑tax Deductions | -- |
| Taxable Income | -- |
| Federal Income Tax | -- |
| Social Security (6.2%) | -- |
| Medicare (1.45%) | -- |
| State Income Tax | -- |
| Total Taxes & Deductions | -- |
| Net Take‑Home Pay | -- |
Your salary is subject to three main deductions: federal income tax, FICA taxes (Social Security and Medicare), and state income tax (if applicable). This calculator breaks down each component so you can see exactly where your money goes.
The U.S. uses a progressive tax system with rates ranging from 10% to 37%, depending on your filing status and taxable income. Pre‑tax contributions like 401k and HSA reduce your taxable income, potentially lowering your bracket.
Social Security tax is 6.2% on wages up to an annual cap. Medicare tax is 1.45% on all wages, with an additional 0.9% for high earners. Both are mandatory and come out of every paycheck.
States like Texas and Florida have no income tax, while California and New York impose rates that can exceed 10% for top earners. Use the dropdown to select your state or enter a custom rate.
Traditional 401k contributions are pre‑tax, so they lower your taxable income and reduce your current federal and state tax bill. However, you will pay taxes when you withdraw the money in retirement.
Different filing statuses have different tax brackets and standard deductions. Married Filing Jointly generally offers wider brackets, while Head of Household falls in between Single and Joint.
It should be close, but your actual paycheck may vary due to additional deductions like health insurance premiums, local taxes, or different W‑4 withholding settings. This calculator provides a simplified estimate.