My husband’s gross pay last year was over $70K, but his net ended up being about $48K. We did the math and he has about 33% of his check taken out for taxes (state and federal), Medicare, FICA, and insurance each week. And he lists 1 for allowances. Sucks – 20+ overtime hours weekly means Uncle Sam kills him in taxes. I’ve heard that, in general, if you take 25% off of your gross pay, that’s a safe bet for taxes, medicare, FICA, and maybe insurance. That would put your net pay just under $34K. But since someone else guessed a good bit higher than that, I could’ve been told wrong. Plus, with 3 dependents, you’d naturally bring home more than my husband would at the same salary. $38–41K is probably what you’re looking at.