Take-home pay in the United States
Net pay after income tax and employee social contributions for any gross salary in the United States, on the OECD Taxing Wages model for 2025. Change the salary or the household and the result follows.
On US$73,520 a year you keep about US$55,644 — US$4,637 a month ≈ €4,000.
OECD Taxing Wages 2025, single, no children. Includes central and local income tax and employee social contributions; euro amounts at the ECB average for 2026-08.
At the average wage
The OECD average wage in the United States for 2025 is US$73,520 a year. At that wage a single person without children pays US$12,252 in income tax and US$5,624 in employee social contributions and keeps US$55,644 a year: US$4,637 a month (€4,000 at the ECB rate for 2026-08), 75.7% of gross.
Take-home pay from half to two and a half times the average wage
The OECD's published results for 2025. The average wage in the United States is US$73,520 a year. For the households with children, net pay includes the cash benefits the model adds.
Single, no children
| Share of the average wage | Gross a year | Gross a month | Net a month | Kept |
|---|---|---|---|---|
| 50% | US$36,760 | US$3,063 | US$2,457 | 80.2% |
| 67% | US$49,258 | US$4,105 | US$3,224 | 78.6% |
| 100% | US$73,520 | US$6,127 | US$4,637 | 75.7% |
| 133% | US$97,782 | US$8,148 | US$5,925 | 72.7% |
| 167% | US$122,779 | US$10,232 | US$7,246 | 70.8% |
| 200% | US$147,040 | US$12,253 | US$8,493 | 69.3% |
| 250% | US$183,800 | US$15,317 | US$10,423 | 68.0% |
Single parent, two children
| Share of the average wage | Gross a year | Gross a month | Net a month | Kept |
|---|---|---|---|---|
| 50% | US$36,760 | US$3,063 | US$3,416 | 111.5% |
| 67% | US$49,258 | US$4,105 | US$3,905 | 95.1% |
| 100% | US$73,520 | US$6,127 | US$5,212 | 85.1% |
| 133% | US$97,782 | US$8,148 | US$6,624 | 81.3% |
| 167% | US$122,779 | US$10,232 | US$7,951 | 77.7% |
| 200% | US$147,040 | US$12,253 | US$9,205 | 75.1% |
| 250% | US$183,800 | US$15,317 | US$11,135 | 72.7% |
Couple, one earner, two children
| Share of the average wage | Gross a year | Gross a month | Net a month | Kept |
|---|---|---|---|---|
| 50% | US$36,760 | US$3,063 | US$3,627 | 118.4% |
| 67% | US$49,258 | US$4,105 | US$4,170 | 101.6% |
| 100% | US$73,520 | US$6,127 | US$5,324 | 86.9% |
| 133% | US$97,782 | US$8,148 | US$6,814 | 83.6% |
| 167% | US$122,779 | US$10,232 | US$8,349 | 81.6% |
| 200% | US$147,040 | US$12,253 | US$9,684 | 79.0% |
| 250% | US$183,800 | US$15,317 | US$11,675 | 76.2% |
How income tax is set in the United States
The national schedule for 2026, as published by IRS / USA.gov / Congress CRS. The rates apply to single filers · 2026 Tax Rate Schedules.
| Taxable income | Rate |
|---|---|
| up to US$12,400 | 10% |
| US$12,400 – US$50,400 | 12% |
| US$50,400 – US$105,700 | 22% |
| US$105,700 – US$201,775 | 24% |
| US$201,775 – US$256,225 | 32% |
| US$256,225 – US$640,600 | 35% |
| above US$640,600 | 37% |
- Standard deduction: US$16,100 a year
- Employee social contributions: 7.65% of pay
Where regions or municipalities charge income tax of their own, it comes on top of these national rates; the take-home figures above include the local income tax the OECD models.
The minimum wage
The statutory minimum wage in the United States is US$7.25 an hour (2026; the federal rate; many states and cities set a higher one). Full time, 40 hours a week for 52 weeks, that is US$15,080 a year. That is below the range the OECD model covers in the United States (US$36,760 to US$183,800 a year), so its take-home pay is not estimated here. Convert other hourly rates.
What these figures are
They are the OECD's own calculation for the United States in 2025: the income tax, including the local income tax the OECD models, the employee social contributions and the cash benefits of a household at every 1% of the average wage from 50% to 250%, which here is US$36,760 to US$183,800 a year. A salary between two of those points is interpolated across that 1% step; a salary outside the range is not estimated. This is not a payslip calculator: it does not apply the tax code to your own circumstances, so deductions and credits you claim yourself, optional or regional surcharges the OECD does not include and employer contributions are not in it.
Sources
- Euro foreign exchange reference rates, USD/EUR, monthly average European Central Bank · data.ecb.europa.eu · checked 2026-08-01
- Income tax schedule 2026 IRS / USA.gov / Congress CRS · irs.gov · checked 2026-08-11
- Taxing Wages — decomposition of taxes and benefits (dataflow OECD.CTP.TPS,DSD_TAX_WAGES_DECOMP@DF_TW_DECOMP,2.1) OECD · oecd.org · checked 2026-09-17