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visatakehome.com

US take-home pay, calculated correctly for your visa.

Generic paycheck calculators silently apply Social Security and Medicare to F-1 OPT scenarios, miss the NRA standard-deduction rule, and forget the US-India treaty exception. We don't. Every number cites IRS, SSA, or the relevant state DOR.

Try your own numbers

$
Used for treaty lookup (e.g. India F-1 standard deduction).
$
$
Annual take-home
$119,293
$9,941 / month · $4,588 bi-weekly
Federal income tax
$31,934
Social Security
$11,160
Medicare
$2,610
State income tax
$12,663
State SDI
$2,340
Total tax
$60,707
Effective rate 33.73% · Marginal federal 24.00% · Marginal state 9.30%

This calculator runs entirely in your browser. No salary or personal data is sent to a server.

Where your $180,000 salary actually goes

H-1B · California · single · 2026

Real numbers from our calculator — not a sample, not a national average.

66% 18% 8% 8%
  • Take-home
    $119,293
    66.3%
  • Federal income tax
    $31,934
    17.7%
  • FICA (SS + Medicare)
    $13,770
    7.7%
  • State income tax
    $15,003
    8.3%

See the full breakdown for H-1B in California on $180,000 →

Cities & counties with local income tax

Some US cities and counties layer their own income tax on top of state tax — sometimes adding 1–4 percentage points to your effective rate. If you live or work in one of these, your take-home is materially lower than the state-only number.

Indiana
Kentucky
Michigan
Pennsylvania
Alabama
Delaware
Maryland
Missouri
Ohio
New York
Oregon

City-level pages default to H-1B at $120,000 — switch visa, salary, or locality from the calculator at the top of each page.

All states (H-1B)

Pick your state to see all 10 salary buckets, local tax rules, and a full state-tax explainer.

Alaska Florida Nevada New Hampshire South Dakota Tennessee Texas Washington Wyoming Arizona Colorado Idaho Illinois Indiana Kentucky Massachusetts Michigan North Carolina Pennsylvania Utah Alabama Arkansas Connecticut Delaware Georgia Iowa Kansas Louisiana Maine Maryland Minnesota Mississippi Missouri Montana Nebraska New Mexico North Dakota Ohio Oklahoma Rhode Island South Carolina Vermont Virginia West Virginia Wisconsin California New York New Jersey Oregon Hawaii District of Columbia

Why this site exists

Most generic paycheck calculators return the wrong number for someone on F-1 OPT — they typically apply Social Security and Medicare even though F-1 students are FICA-exempt for the first 5 calendar years. They also commonly miss the NRA standard-deduction rule, the US-India student treaty, and California's removal of the SDI wage base cap.

Every page on this site shows the math step-by-step, links every number to its IRS or state-DOR source, and is dated. We rebuild on every IRS update.

New here? Start with our methodology — it documents the exact formula and source citations we use for every calculation.