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A $20,000 bonus leaves about $14,070 after the 22% federal supplemental withholding and 7.65% in Social Security and Medicare — 70% of the total.
On a $20,000 bonus, most US employers withhold the flat supplemental rate of 22% — that is $4,400 — and payroll tax takes another $1,530 for Social Security and Medicare. With no state income tax, $14,070 lands in the account. Add a state, and a typical 5% rate takes $1,000 more.
The important part: 22% is a withholding rate, not a tax rate. The bonus is ordinary income, so at the end of the year it is taxed at whatever bracket it falls into. Someone in the 12% bracket gets much of that $4,400 back as a refund; someone in the 32% bracket will owe more. The calculator below opens on this bonus — change the federal rate to your real bracket, add your state, and put any 401(k) or charity deduction in the deductions field.
Estimate Bonus Withholding & Net Pay
Net Bonus
Effective Deduction Rate: 27.0%
Bonus Breakdown
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Federal withholding at the flat 22% supplemental rate plus 7.65% payroll tax, with state income tax layered on top.
| State income tax rate | State tax | You keep | Share of the bonus |
|---|---|---|---|
| 0% | $0 | $14,070 | 70% |
| 3% | $600 | $13,470 | 67% |
| 5% | $1,000 | $13,070 | 65% |
| 7% | $1,400 | $12,670 | 63% |
| 9% | $1,800 | $12,270 | 61% |
Bonuses