Take-Home Pay Calculator
Estimate your net paycheck after taxes, FICA and pre-tax deductions from your gross salary.
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.
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