Take-Home Pay Calculator

Estimate your net take-home pay after federal and state income tax, FICA, 401(k), health insurance and other pre-tax deductions. Hourly or salary, all 50 US states.

Annual net
Per paycheck
Monthly take-home
Effective tax rate

Deductions breakdown

Annual breakdown

    Frequently asked questions

    How is take-home pay calculated?

    The calculator estimates federal and state income tax using 2026 progressive brackets and standard deduction, applies Social Security (6.2% up to the wage base) and Medicare (1.45%, plus 0.9% additional over $200k), subtracts your pre-tax 401(k) and health insurance contributions, and divides by your pay periods to give a per-period net pay estimate.

    What is the difference between gross and net pay?

    Gross pay is your salary or hourly wages before any deductions. Net pay (take-home) is what lands in your bank account after federal and state income tax, FICA, pre-tax retirement, health insurance and any other voluntary deductions.

    Is the state tax estimate accurate?

    The state tax estimate uses each state's top-bracket marginal rate as a flat approximation and the state standard deduction where available. It is an estimate, not a substitute for a W-4 or your state's actual withholding tables. States with no income tax show 0%.

    Should I include 401(k) as a pre-tax deduction?

    Yes — traditional 401(k) contributions reduce your federal taxable income in the year you contribute, lowering your income tax withholding now. Roth 401(k) contributions do not reduce current income tax but are tax-free on withdrawal.