Here’s how much money you’ll take home after taxes with a $100,000 salary

The amount of money each American must pay in taxes varies based on location and income. And the amount of money you take home after taxes, of course, will be lower than your total salary, but most people want to know how much lower.

There are also benefits that you may pay for through your employer like health insurance or a retirement plan, which can impact how much money you take home. Below we explain how state and federal tax deductions work and offer estimates of how much a $100,000 salary is worth after taxes in the 25 largest U.S. cities.

Federal income tax deductions

Typically, part of each paycheck is withheld by your employer to pay the government instead of going directly into your bank account.

These paycheck deductions are partly based on your tax bracket, which is outlined by the IRS in what is called a tax withholding table. Your tax bracket determines how much money your employer should withhold from each paycheck. 

Federal income tax brackets use a progressive system to determine the amount of taxes withheld. This means that the more money you make, the percentage of your income that you pay to the IRS goes up. Current tax amounts range from 10% to 37%, dependent on income.

Tax brackets do change periodically. The last tax withholding table published by the IRS came out in October 2020 with adjusted rates that will be applicable starting when taxpayers file their 2021 taxes. 

State and local income tax deductions

All but nine U.S. states require employers to also withhold state income taxes in addition to federal income taxes. Like federal income taxes, the amount deducted is based on your state’s tax withholding table.

Alaska, Florida, Nevada, South Dakota, Texas, Washington, and Wyoming do not have a state income tax. While New Hampshire and Tennessee also do not have a state income tax, employees in that state are subject to pay taxes on interest and dividends, which are withheld from a person’s paycheck in a way that is similar to a state income tax.

Additionally, taxpayers in some cities, counties, school districts, or municipalities will have local income taxes withheld from their paychecks. 

Take-home pay for a $100,000 salary

Thanks to tax deductions, despite what your actual contracted salary rate is, the amount that you actually take home for each paycheck won’t add up over a year to reflect your salary.

Using the SmartAsset paycheck calculator, you can determine what your take-home pay will be after deductions. The calculator allows users to input a salary amount, location, filing status, and optional withholding amount. The list below reflects the take-home pay for a single filer with no additional deductions, inclusive of Medicare and Social Security payments.

Here’s a breakdown of what a person with a $100,000 salary in the 25 largest U.S. cities (based on population, according to MacroTrends) will take home each year after taxes:

1. New York: $66,033
2. Los Angeles: $67,666
3. Chicago: $70,348
4. Houston: $75,183
5. Dallas-Fort Worth: $75,183
6. Miami: $75,183
7. Atlanta: $70,025
8. Philadelphia: $68,183
9. Washington, D.C.: $68,635
10. Phoenix: $72,483
11. Boston: $70,503
12. Detroit: $68,848
13. Seattle: $75,183
14. San Francisco: $67,303
15. San Diego: $67,666
16. Minneapolis: $68,991
17. Tampa: $75,183
18. Denver: $70,899
19. Las Vegas: $75,183
20. Riverside-San Bernardino: $67,666
21. San Antonio: $75,183
22. Baltimore: $64,389
23. Saint Louis: $70,081
24. Portland: $66,925
25. Sacramento: $67,666

Additional withholdings

The amount of money you receive with each paycheck can also vary based on additional withholdings from your employer. For example, contributions to a retirement plan like a 401K, group-term life insurance, health insurance, and dental or vision benefits, can all lower the amount you see on each paycheck.

Wage garnishments for child support or spousal support for divorced individuals can also affect the amount of your take-home pay. The IRS can also garnish wages for people who owe back taxes.

Paycheck timing

Regardless of if you’re paid weekly, bi-weekly, or even monthly, tax deductions and any additional deductions will still happen, the amount will just be proportional to the timing of your paychecks. 

Here’s a breakdown of what a single-filer making a $100,000 salary will take home with bi-weekly paychecks in the top 25 U.S. cities:

1. New York: $2,540
2. Los Angeles: $2,603
3. Chicago: $2,706
4. Houston: $2,892
5. Dallas-Fort Worth: $2,892
6. Miami: $2,892
7. Atlanta: $2,693
8. Philadelphia: $2,625
9. Washington, D.C.: $2,640
10. Phoenix: $2,788
11. Boston: $2,712
12. Detroit: $2,648
13. Seattle: $2,892
14. San Francisco: $2,589
15. San Diego: $2,603
16. Minneapolis: $2,654
17. Tampa: $2,894
18. Denver: $2,727
19. Las Vegas: $2,892
20. Riverside-San Bernardino: $2,603
21. San Antonio: $2,892
22. Baltimore: $2,477
23. Saint Louis: $2,695
24. Portland: $2,574
25. Sacramento: $2,603