💰Take-Home Paycheck Calculator
Calculate your net take-home pay after federal, state, and local taxes, plus all deductions. See your paycheck breakdown by pay frequency.
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Filing & Dependents
Other Income
Interest, dividends, retirement income, etc.
Multiple Jobs & Self-Employment
Pretax Deductions Withheld
401(k), health insurance, HSA, FSA, etc.
Deductions Not Withheld
IRA, student loan interest, etc.
Limited to $2,500/year
Itemized Deductions
Mortgage interest, charitable donations, state/local taxes, etc.
State & Local Taxes
Leave blank to use default rate
Enter 0 if your city has no income tax
Post-Tax Deductions
Roth IRA contributions, union dues, etc.
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Take-Home Paycheck Calculator
A take-home pay calculator estimates your net paycheck after all federal and state taxes, Social Security (6.2%), Medicare (1.45%), and pre-tax deductions like 401(k) and health insurance are subtracted from gross pay. The gap between gross and net can be 25–40%, making it essential to know before budgeting or negotiating salary.
Formula: Net Pay = Gross Pay − Federal Tax − State Tax − FICA (7.65%) − Pre-tax Deductions
| Variable | Example | Description |
|---|---|---|
| Gross annual salary | $70,000 | Before-tax pay |
| Filing status | Single | Affects tax bracket |
| 401(k) contribution | 6% | Pre-tax deduction |
| Estimated net monthly pay | ~$4,250 | After all deductions |
Your gross salary is what you're paid. Your net take-home pay is substantially less due to federal, state, local taxes, Social Security, Medicare, and voluntary deductions. This calculator estimates exactly what you'll receive per paycheck based on your income, filing status, deductions, and location.
Why Your Paycheck Is Smaller
Federal income tax, state/local taxes, Social Security (6.2%), Medicare (1.45%), plus voluntary deductions for 401k and health insurance all reduce your paycheck.
Pretax Deductions Save Taxes
401k contributions, health insurance, HSA, and FSA reduce your taxable income and lower your tax bill. A $1,000 contribution in the 32% tax bracket (federal + state) saves $320 in taxes.
Pay Frequency
Weekly (52), Bi-weekly (26), Semi-monthly (24), or Monthly (12) paychecks per year. Bi-weekly is most common.
Frequently Asked Questions
What taxes reduce my paycheck?
Federal income tax (10-37% depending on bracket), state income tax (0-13%), local income tax, Social Security (6.2% on wages up to ~$181k), and Medicare (1.45% on all wages).
How much federal tax do I owe?
It depends on income, filing status, and deductions. A single earning $80k pays roughly $8-10k federal tax (10-12%).
Can I reduce my taxes?
Yes. Maximize pretax deductions like 401k, HSA, and health insurance. Adjust W-4 to correct overwithholding.