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Take-Home-Paycheck Calculator

What actually lands in your account after every deduction.

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Pre-tax deductions, per year

These come out before income tax, so each one costs less than its face value.

Post-tax deductions, per year

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LinePer yearPer paycheck

Take-home per paycheck

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Gross per paycheck—
Federal income tax—
Social Security—
Medicare—
State tax—
Effective tax rate—
Marginal bracket—
Real cost of pre-tax saving—

Quick Tool Overview

The Take-Home-Paycheck Calculator shows what actually reaches your account each pay period, itemising federal tax, Social Security, Medicare, retirement contributions and insurance — and what each pre-tax deduction really costs you in take-home pay.

What it does
Calculates net pay per paycheck from gross salary
You give it
Gross pay, pay frequency, filing status and deductions
You get back
Net pay with every deduction itemised
Best for
Budgeting on real income and sizing 401k contributions
Calculators Free, unlimited use No sign-up Runs in your browser

About the Take-Home-Paycheck Calculator

Enter your gross salary, your filing status and your pre-tax deductions to get the amount that actually reaches your account each pay period. The breakdown separates federal income tax, Social Security, Medicare, retirement contributions and insurance premiums.

The gap between gross and net surprises people, and pre-tax deductions are the reason it is smaller than it looks. A dollar into a traditional retirement plan or a health savings account reduces taxable income, so it costs less than a dollar of take-home pay — often noticeably less at higher marginal rates. The calculator shows the real cost of each pre-tax contribution, which is the figure to use when deciding how much to put away rather than the nominal amount.

Key features of the Take-Home-Paycheck Calculator

Every deduction itemised

Federal tax, Social Security, Medicare, insurance and retirement, each on its own line.

True cost of pre-tax saving

A hundred dollars into a 401k costs about seventy-eight in take-home at a 22 percent rate — the figure to plan with.

Any pay frequency

Weekly, bi-weekly, semi-monthly or monthly, with per-period figures rather than annual ones.

Pre-tax and post-tax separated

Roth and traditional contributions behave differently, and the calculator keeps them distinct.

State rate supported

An approximate state rate field, flagged as an estimate since state systems vary widely.

How to use the Take-Home-Paycheck Calculator

  1. 1

    Enter your gross pay

    Annual salary or per-period gross, and how often you are paid.

  2. 2

    Set your filing status

    Single, married filing jointly or head of household, plus any dependents.

  3. 3

    Add pre-tax deductions

    Retirement contributions, health insurance premiums and any HSA or FSA amounts.

  4. 4

    Read the net pay

    The take-home figure per period, with every deduction itemised above it.

Frequently asked questions

Federal income tax, Social Security at 6.2 percent, Medicare at 1.45 percent, state and local tax where applicable, plus insurance and retirement deductions. Together these commonly remove a quarter to a third of gross pay.

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