Net per paycheck$0.00
2026Fast estimateShareable

Take-Home Pay Calculator

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

Inputs

Updates instantly

Pre-tax deductions

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

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.

Estimated net per paycheck
$0.00
Take-home 0.0%Effective tax 0.0%
Gross
$0.00
Pre-tax deductions
- $0.00
Taxes (total)
- $0.00
Net
$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.

Frequently asked questions

How accurate is this take-home pay calculator?

This take-home pay calculator provides a fast, high-level estimate of your net pay based on current federal tax brackets, FICA taxes, and the inputs you provide. It assumes the standard deduction and does not account for tax credits, itemized deductions, or employer-specific withholding rules. Your actual paycheck may differ slightly depending on your benefits, payroll setup, and local taxes.

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

Yes. You can include pre-tax deductions such as 401(k) contributions and HSA contributions. These amounts are deducted from your gross pay before estimating federal and state taxes, which helps approximate how retirement and health savings contributions affect your take-home pay.

Why is my paycheck different from this estimate?

Payroll systems often apply withholding rules that differ from simple tax calculations. Factors like benefits premiums, local taxes, supplemental income, bonuses, and updated W-4 elections can all affect your actual paycheck. This calculator is designed to estimate net pay, not replicate an exact paystub.

Does this calculator include state taxes?

This calculator allows you to apply a flat state tax percentage for a quick estimate. It does not currently model individual state tax brackets or local taxes. The flat-rate approach keeps the calculator fast and easy to use while still providing a reasonable approximation for most scenarios.

Is this take-home pay calculator free to use?

Yes. This calculator is completely free to use, requires no account, and does not store any personal data. All calculations run directly in your browser, and you can share results using the generated URL.