Net per paycheck$0.00

2026Fast estimateShareable

Take-Home Pay Calculator

Q: How accurate is this take-home pay calculator?

This calculator provides a fast estimate based on federal tax brackets, FICA taxes, and your inputs. It assumes the standard deduction and does not account for tax credits, itemized deductions, or employer-specific withholding rules.

Q: Does this calculator include 401(k) and HSA deductions?

Yes. You can enter pre-tax deductions like 401(k) and HSA contributions. These reduce taxable income in the estimate and can increase take-home pay.

Q: Does this calculator include state taxes?

This calculator includes an optional estimated state tax rate for a quick approximation. It does not model full state bracket rules or local taxes.

Simple gross-to-net estimate using 2026 federal brackets + FICA. Add pre-tax deductions and an optional flat state %.

Inputs

Updates instantly

Gross pay input

Annual gross ($)

Pay frequency

Filing status

Pre-tax deductions

Enter annual amounts if “Annual salary” is selected; otherwise per-paycheck amounts.

401(k) (annual $)

HSA (annual $)

Other (annual $)

State — optional

State tax (flat %) — optional

State tax estimate

State taxes are estimated using a flat percentage to keep results fast and easy to understand. This provides a reasonable approximation for most scenarios.

Results

Shareable URL updates as you edit inputs.

(Net per paycheck)

$0.00

Take-home 0.0%Effective tax 0.0%

Take-Home Summary

Net Take-Home

$0.00

Gross Income

$0.00

Taxes

$0.00

Pre-Tax Contributions

$0.00

Annual tax detail

Federal income tax

$0.00

Social Security (6.2%)

$0.00

Medicare (1.45%)

$0.00

Additional Medicare (0.9%)

$0.00

State (flat %)

$0.00

Total taxes

$0.00

Show calculation notes

Taxable income ≈ (Annual gross − pre-tax deductions − standard deduction).
Uses standard deduction for 2026 by filing status.
Does not include credits, itemizing, local taxes, or special withholding rules.
FICA includes Social Security wage base cap and Additional Medicare thresholds.

How to Calculate Take-Home Pay

Take-home pay is your net income after federal income tax, Social Security, Medicare, and any pre-tax deductions like 401(k) or HSA contributions. While gross salary shows what you earn before taxes, your take-home pay determines what actually lands in your bank account.

This calculator estimates your net pay using 2026 federal tax brackets and payroll taxes (FICA). Adjust salary type, pay frequency, filing status, and deductions to see how different scenarios impact your paycheck.

What Affects Your Net Pay?

Federal income tax: Based on tax brackets and filing status.
Social Security: 6.2% up to the annual wage base limit.
Medicare: 1.45% plus Additional Medicare for higher incomes.
State income tax: Varies by state and impacts net pay.
Pre-tax contributions: 401(k), HSA, and other deductions reduce taxable income.

Salary examples

Detailed guides:

Popular salary pages

Fast take-home estimates

$30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $110,000 $120,000 $130,000 $150,000 $175,000 $200,000 $250,000

These pages show a baseline estimate (federal + FICA) and let you customize state tax, filing status, deductions, and pay frequency in the calculator.

Frequently asked questions

How accurate is this take-home pay calculator?

This calculator provides a fast estimate using federal tax brackets, FICA taxes, and your inputs. It assumes the standard deduction and does not account for tax credits, itemized deductions, or employer-specific withholding rules. Actual paychecks may vary.

Does this calculator include 401(k) and HSA deductions?

Yes. You can include pre-tax deductions such as 401(k) and HSA contributions. These reduce taxable income in the estimate and can increase take-home pay.

Does this calculator include state taxes?

This calculator supports an optional estimated state tax rate for a quick approximation. It does not model full state bracket rules or local taxes.

Why is my paycheck different from this estimate?

Payroll withholding can differ from simplified tax math. Benefits, bonuses, local taxes, and W-4 elections can all change your actual paycheck.