Take Home Pay Calculator
Work out your net paycheck after federal income tax, Social Security, Medicare, state tax, and benefit deductions. Supports salary or hourly pay on any pay schedule.
Percentage of gross pay. Traditional contributions only.
Your share of medical, dental, and vision cover.
Set to 0 for states with no income tax. Add city tax here too.
Roth contributions, union dues, garnishments, and similar items.
$2,054
from $2,885 gross, or 71.2% of your pay
- Net per month
- $4,451
- Net per year
- $53,407
- Total tax per year
- $14,723
- Effective tax rate
- 19.6%
Where your pay goes
- Gross pay$75,000
- Federal income tax−$6,159$237 per check
- Social Security−$4,457$171 per check
- Medicare−$1,042$40 per check
- State income tax−$3,066$118 per check
- 401(k) contribution−$3,750$144 per check
- Health premium−$3,120$120 per check
- Net per year$53,407$2,054 per check
This is an estimate. Your employer withholds using IRS percentage-method tables and your W-4 entries, so a real paycheck can differ by a few dollars. State tax is applied as the flat rate you enter.
The number that actually matters
Rent, car payments, and grocery budgets come out of net pay, not gross. A $75,000 salary can land anywhere from $48,000 to $58,000 in the bank depending on your state, your benefits, and how much you put away for retirement. This calculator turns an offer letter or a raise into the figure you can budget against, and it shows every deduction on the way there so nothing is a surprise on payday.
Built for real paychecks
Every pay schedule
Weekly, every two weeks, twice a month, and monthly are all supported, and per-check deductions scale to the right number of pay periods.
Payroll rules applied correctly
Health premiums skip FICA, 401(k) money does not, Social Security stops at the wage cap, and high earners pick up the extra Medicare tax.
Compare offers side by side
Change the salary, benefit cost, or state rate and the net figure updates instantly, which makes two competing offers easy to judge.
Private by default
No sign-up, no saved profile, no analytics on your salary. The math runs on your device and stops when you close the tab.
How this Take Home Pay Calculator works
Payroll does not take one deduction, it takes several, and each one uses a different base. This calculator follows the same sequence your employer does, which is why the net figure lands close to a real pay stub.
Your annual gross comes first, either from a salary or from your hourly rate multiplied by weekly hours and 52 weeks. Health premiums come out next. Most employer plans run through a Section 125 arrangement, so those dollars escape income tax and Social Security and Medicare, which is why a premium quietly lowers your tax as well as your gross. Traditional 401(k) money is treated differently on purpose: it reduces income tax but still pays FICA, exactly as the rules require.
FICA is then applied to the correct wage base. Social Security takes 6.2% until wages hit $184,500 in 2026, or $176,100 in 2025, and stops there. Medicare takes 1.45% on everything, with an extra 0.9% on wages above $200,000. Federal income tax uses the remaining wages minus the standard deduction for your filing status, run through the bracket table. Your state rate is applied to the same post-deduction wages, and any after-tax deductions come off at the end.
The result is divided by your number of pay periods to give a per-check figure, and the breakdown lists every deduction annually and per paycheck. Everything is calculated in your browser and nothing is stored.
How to use this Take Home Pay Calculator
Enter what you earn
Switch between salary and hourly. For hourly work, add your rate and the hours you normally work each week.
Set your pay schedule and filing status
Pick weekly, every two weeks, twice a month, or monthly, then choose the filing status on your W-4.
Add deductions that come out of your check
Include your 401(k) percentage, health premium, state tax rate, and anything else withheld after tax.
See the paycheck breakdown
Read your net pay per period, per month, and per year, with every deduction listed line by line.
Example Usage
A $75,000 salary paid every two weeks with typical benefit deductions:
Frequently Asked Questions
What is take home pay?
Why is my paycheck so much smaller than my salary divided by 26?
Does a bigger 401(k) contribution lower my take home pay by the same amount?
How should I set the state tax rate?
Does the tool handle Social Security's wage cap?
Are health insurance premiums taken before or after tax?
Why does my real paycheck differ by a few dollars?
Can I use this to compare two job offers?
Does it cover local or city income tax?
Is anything I enter stored or shared?
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The Take Home Pay Calculator is maintained by CodeItBro. We aim to provide the best free developer tools on the web. If you have feedback or suggestions, please visit our contact page.
