Take-Home Pay Calculator
Free take-home pay calculator. Estimate your net paycheck after federal income tax, Social Security, and Medicare from your gross salary and filing details.
Estimate your real paycheck
Your gross salary is never what lands in your bank account. This calculator estimates your federal take-home pay after the three biggest deductions: federal income tax (using the standard deduction and progressive brackets), Social Security (6.2% up to the annual wage base), and Medicare (1.45%).
What it doesn’t include
State and local income taxes vary widely and aren’t included, and neither are 401(k) contributions, health insurance premiums, or other pre-tax deductions — all of which change your final number. Treat this as a ballpark estimate, not tax advice.
Frequently asked questions
What is take-home pay?⌄
It's the amount that actually lands in your bank account after taxes and deductions are removed from your gross salary — also called net pay.
Does this include state taxes?⌄
No. It estimates federal income tax, Social Security, and Medicare only. State and local taxes vary widely and aren't included.
Why is my paycheck smaller than my salary ÷ 12?⌄
Because federal income tax, Social Security (6.2%), and Medicare (1.45%) are withheld from each paycheck, along with any benefits or retirement contributions.
Have another question? Get in touch.