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倒推税前工资计算器
输入目标税后到手金额，反推需要的税前工资。
Why "grossing up" isn't simple division
You might think a $60,000 target take-home just means adding back a flat percentage, but federal tax is progressive and FICA has its own rules — so the relationship between gross and net pay isn't linear. This tool solves it the way payroll systems do: it guesses a gross amount, computes the resulting net pay under 2024 brackets and FICA, compares it to your target, and adjusts — repeating until the numbers converge.
What's included and what isn't
The calculation includes federal income tax (2024 brackets, standard deduction) and FICA — 6.2% Social Security up to the $168,600 wage base, plus 1.45% Medicare with no cap. It does not include state or local income tax, which varies enormously (zero in some states, over 10% in others) — add your state's effective rate manually for a closer real-world number.
Not tax advice. Figures use the 2024 federal tax year and are estimates for general education only — every situation is different. Confirm your numbers with a CPA or tax professional, and check the current year's IRS figures, before filing or making financial decisions.
常见问题
为什么不能直接算，要用"迭代求解"？
因为个税采用超额累进税率，税前工资和税后到手金额之间不是简单的固定比例——税前工资越高，适用的边际税率也可能越高。计算器会反复调整税前工资，直到算出的税后金额刚好等于你的目标值。
五险一金是怎么算的？
五险一金的缴纳基数和比例因城市、单位而异，通常个人缴纳部分合计约在工资的10%–12%左右，本工具按你填入的比例估算，请尽量替换为你所在城市和单位的实际缴纳比例。
包含专项附加扣除吗？
本工具未计入子女教育、房贷利息等专项附加扣除，如果你符合这些条件，实际需要的税前工资可能会比这里算出的结果略低。
这个结果准确吗？
这是一个基于简化假设的估算工具，不构成财务或税务建议，具体请以你的工资条和当地社保公积金政策为准。