How to pronounce exactly in American English
Americans pronounce exactly as ihg-ZAKT-lee (/ɪgˈzæktli/). The T drops out of the cluster entirely in casual American speech. Stress falls on the second syllable — keep everything else short and quick.
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Why "exactly" sounds like ihg·ZAKT·lee.
In "exactly", the "t" is squeezed between other consonants and drops out — the surrounding consonants flow together without it — most natural in flowing, casual speech; in careful or formal speech, the T may be lightly present. This is called the Silent T in Clusters, a small move that separates 'classroom' from 'native'. It comes out as ihg·ZAKT·lee.
Hear "exactly" in the wild.
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Common pronunciation mistakes in American English.
The textbook way isn't wrong — it's just not how anyone actually says it.
Pronouncing the T in a consonant cluster.
In "exactly", the "t" is squeezed between other consonants and drops out — the surrounding consonants flow together without it — most natural in flowing, casual speech; in careful or formal speech, the T may be lightly present. /t/ is dropped entirely — the surrounding consonants flow together without the T.
Releasing the final consonant with a puff of air.
In "exactly", the "" is not released — the articulators get into position but hold without the burst of air. Air stops but there's no release burst — the articulators hold position.
Stressing the wrong syllable.
Stress falls on the second syllable, not the others. Stretch ZAKT — keep everything else short and quick.