PaycheckTakeHome.com · Free paycheck take home calculator

Paycheck Take Home Calculator

Use this free paycheck take home calculator to estimate your net pay after federal, state, and FICA taxes. Works for salary and hourly employees in all 50 US states.

Estimate your paycheck after taxes

Enter your gross pay, state, pay frequency, and deductions. This paycheck calculator will estimate your take-home pay after taxes and deductions.

Pay type
Before taxes and deductions
› Pre-tax deductions (401(k), HSA, etc.)
Percent of gross pay each period
› Post-tax deductions (benefits, etc.)

This take-home pay calculator provides a simplified estimate only and does not replace tax or payroll advice. Actual paychecks may differ.

Take-home pay estimate

This section shows your estimated net pay per paycheck, per month, and per year based on your inputs.

$0.00

Per paycheck · Monthly: $0.00 · Yearly: $0.00

Estimated net pay
Item Per paycheck Per year
Gross pay $0.00 $0.00
Pre-tax deductions -$0.00 -$0.00
Federal income tax -$0.00 -$0.00
State income tax -$0.00 -$0.00
Social Security -$0.00 -$0.00
Medicare -$0.00 -$0.00
Post-tax deductions -$0.00 -$0.00
Net (take-home pay) $0.00 $0.00
Enter your information on the left and click “Calculate” to see your estimated paycheck after taxes and deductions.
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How this paycheck take home calculator works

This paycheck take home calculator starts with your gross pay, subtracts any pre-tax deductions such as 401(k) and HSA, then estimates federal income tax, state income tax, Social Security, and Medicare. Finally, it subtracts any post-tax deductions you enter, such as health insurance or other benefits, to estimate your net pay or take-home pay.

What’s included in your net pay calculation

For most users in the United States, this net pay calculator includes:

Example take-home pay calculations

Here are a few sample scenarios to show how this paycheck calculator can estimate your take-home pay:

Example 1: $50,000 salary in Pennsylvania

A single filer earning $50,000 per year in Pennsylvania, paid bi-weekly with no pre-tax deductions, might see an estimated take-home pay of roughly 70–78% of gross pay after federal, state, and FICA taxes. Exact numbers depend on your specific deductions, but this tool will give you a quick paycheck after-tax estimate.

Example 2: $75,000 salary in California with 5% 401(k)

A single filer in California earning $75,000 per year and contributing 5% of each paycheck to a 401(k) will reduce their taxable income while also lowering their take-home pay. This calculator helps you see how much of your paycheck you keep after your 401(k) contribution and California state income taxes.

Example 3: $20 per hour in Texas, 40 hours per week

An hourly worker making $20 per hour and working 40 hours per week earns about $41,600 per year before taxes. In a state like Texas with no state income tax, your take-home pay after federal tax and FICA will generally be higher than in a state that taxes income. Use this tool as a paycheck calculator to see your net pay per paycheck.

Frequently asked questions about take-home pay

How accurate is this take-home pay calculator?

This tool uses simplified U.S. federal tax brackets, approximate state income tax rates, and standard Social Security and Medicare rates to estimate your net pay. Your actual paycheck may differ based on your employer’s payroll settings, local taxes, pre-tax benefits, and other factors. Always refer to your actual pay stub for official numbers.

What taxes are included in this paycheck calculator?

This paycheck calculator includes estimated federal income tax, state income tax, Social Security, and Medicare. It does not include city or local income taxes, special surtaxes, or unique deductions that might apply to your specific situation.

What is the difference between gross pay and net pay?

Gross pay is what you earn before any taxes or deductions are taken out. Net pay (your take-home pay) is what is left after federal and state taxes, Social Security and Medicare, and any pre-tax or post-tax deductions. This net pay calculator helps you understand how much of your paycheck you actually keep.

How do pre-tax deductions like 401(k) and HSA affect my paycheck?

Pre-tax deductions are taken out before income taxes are calculated. Contributing to a 401(k) or HSA lowers your taxable income, which can reduce your federal and state income taxes. However, those contributions also reduce your immediate take-home pay. This calculator lets you adjust your pre-tax amounts to see the impact on your paycheck.

How much will I take home if I earn $50,000 per year?

The amount you take home on a $50,000 salary depends on your filing status, state, pay frequency, and deductions. In many cases, your net pay may fall around 70–80% of your gross pay after federal, state, and FICA taxes. Use this calculator to plug in your exact situation and see a personalized paycheck estimate.

How do I calculate my paycheck after taxes?

To calculate your paycheck after taxes manually, start with your gross pay for the period, subtract pre-tax deductions, estimate federal and state income taxes, calculate Social Security and Medicare, then subtract any post-tax deductions. This online paycheck takes-home calculator performs that estimate automatically based on your inputs.

Is net pay the same as take-home pay?

Yes. Net pay and take-home pay usually refer to the same thing: the amount of money that actually hits your bank account after all taxes and deductions are taken out of your paycheck.

State-specific paycheck take home calculations

This net pay calculator works in every U.S. state. Choose your state in the dropdown above to estimate your paycheck after taxes:

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This paycheck take-home calculator is for informational purposes only and does not constitute financial, tax, or legal advice.