Take-Home Pay Calculator
Estimate your net paycheck after taxes, FICA and pre-tax deductions from your gross salary.
Enter your estimated effective federal and state tax rates. FICA (Social Security + Medicare, 7.65%) is applied automatically.
DISCLAIMER: This calculator provides estimates for general informational and educational purposes only and is not financial, investment, tax, or legal advice. Results are approximate and may not reflect your actual situation, fees, taxes, or current rates. Consult a qualified professional before making financial decisions.
What Is the Take-Home Pay Calculator?
The Take-Home Pay Calculator estimates the net amount of each paycheck after federal and state income tax, FICA (Social Security and Medicare) and pre-tax deductions like 401(k). Enter your gross salary, pay frequency and estimated tax rates to see your take-home pay per paycheck and per year, with a breakdown. All math runs in your browser — nothing is sent anywhere.
How It Works
Enter your annual gross salary, choose your pay frequency, and provide your 401(k)/pre-tax percentage and estimated effective federal and state tax rates. FICA at 7.65% is applied automatically. Your take-home pay updates instantly.
When to Use It
Use it to budget around your real paycheck, compare job offers, or see how changing your 401(k) contribution affects take-home pay.
Frequently Asked Questions
- Why do I enter my own tax rates?
- Income tax depends on your filing status, brackets, credits and state — too many variables to assume. Entering your estimated effective rates keeps the result honest and private. Check a recent payslip for your actual rates.
- What is FICA?
- FICA is the payroll tax for Social Security (6.2%) and Medicare (1.45%), totaling 7.65%, applied here automatically. The Social Security portion has an annual wage cap this tool doesn't model, so high earners may see slightly less withheld in reality.
Last reviewed: 2026-06-27