Pay & filing details
Take-home pay per paycheck
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- Gross pay / paycheck
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- Federal income tax
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- Social Security (6.2%)
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- Medicare
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- State tax
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- Pre-tax deductions
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- Net pay / year
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- Effective tax rate
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See your real take-home pay — federal tax, FICA, state tax, and deductions. Nothing leaves your browser.
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Your salary and your paycheck are two different numbers. This calculator starts from your gross pay — salary or hourly — and subtracts what actually comes out before it hits your bank account: federal income tax (2024 IRS brackets and standard deduction), Social Security and Medicare (FICA), your state's income tax, and any pre-tax or post-tax deductions like 401(k) contributions or health insurance. What's left is your real take-home pay, broken down per paycheck for whatever pay frequency your employer uses.
We start from your gross pay (salary, or hourly rate × hours × 52 weeks), subtract pre-tax deductions like 401(k) contributions and pre-tax health insurance, then calculate federal income tax using the 2024 IRS brackets and standard deduction for your filing status, Social Security (6.2% up to the annual wage base), Medicare (1.45%, plus an extra 0.9% above the surtax threshold for your filing status), and state income tax. What's left, divided by your pay periods per year, is your estimated take-home pay per paycheck.
Yes. Nine states with no broad-based individual income tax (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming) are calculated automatically at 0%. For every other state, enter your own effective state tax rate — state brackets, credits, and local taxes vary too much to hardcode accurately for all 50 states, so this keeps the estimate honest about what it does and doesn't know.
Gross pay is what your employer pays before anything is withheld — your salary or hourly rate × hours. Net pay (take-home pay) is what actually lands in your bank account after federal tax, FICA, state tax, and any deductions like 401(k) or health insurance premiums come out. This calculator shows both, plus every deduction in between.
Social Security is 6.2% of your wages up to the annual wage base ($168,600 for 2024) — earnings above that are not subject to Social Security tax. Medicare is 1.45% of all wages with no cap, plus an additional 0.9% surtax on wages above $200,000 (single/head of household) or $250,000 (married filing jointly). Both are calculated on wages after pre-tax 401(k)/cafeteria-plan deductions, matching how a real W-2 reports Social Security and Medicare wages.
A traditional pre-tax 401(k) contribution lowers both your federal taxable income and your FICA wages (Social Security and Medicare), so it reduces more than just your federal tax bill. Enter it as a percentage of gross pay in the pre-tax deductions section to see the effect on your take-home pay directly.
This tool estimates withholding using the standard deduction and IRS tax brackets — it doesn't account for your actual W-4 elections, itemized deductions, tax credits (child tax credit, etc.), multiple jobs, bonuses taxed at supplemental rates, local/city income taxes, or benefits like HSA/FSA contributions beyond what you enter manually. Treat it as a planning estimate, not a substitute for your pay stub or a tax professional.
No. Every number you enter — salary, hours, deductions — stays in your browser and the math runs locally in JavaScript. Only anonymous page-view analytics fire on the page (Cloudflare Web Analytics, plus Google Analytics if configured); no input field is ever included in any analytics beacon.
Weekly (52 paychecks/year), biweekly (26/year, the most common in the US), semimonthly (24/year, e.g. paid on the 1st and 15th), and monthly (12/year). Annual totals are the same regardless of frequency — only how the same yearly numbers are split per paycheck changes.