Taxes & Income

Take-Home Pay Calculator

Calculate your actual net take-home pay per paycheck (hourly, weekly, biweekly, monthly) after federal taxes, FICA, state taxes, and 401(k) deductions.

What this calculator does

The Take-Home Pay Calculator estimates your result instantly from the values you enter, using standard taxes & income formulas. Calculate your actual net take-home pay per paycheck (hourly, weekly, biweekly, monthly) after federal taxes, FICA, state taxes, and 401(k) deductions. Calculations run in your browser, so nothing you type is sent to a server, and the output is an estimate for planning rather than financial advice.

About Take-Home Pay Calculator

The Take-Home Pay Calculator computes your net paycheck across hourly, weekly, bi-weekly, semi-monthly, and monthly pay cycles, itemizing federal withholding, FICA (Social Security & Medicare), state income taxes, and pre-tax health/retirement deductions.

Formula & Mathematical Calculation

Net Take-Home Pay = Gross Pay - Federal Tax - Social Security (6.2%) - Medicare (1.45%) - State Tax - Pre-Tax Deductions

Calculation Example

$80,000 Annual Salary (Single, 5% State Tax, 5% 401k = $4,000/yr): Federal Tax ($9,441) + FICA ($6,120) + State ($3,800) + 401k ($4,000) = $23,361 Deductions → Net Take-Home = $56,639/year ($2,178.42 Bi-Weekly).

Key Benefits

  • Itemizes Federal Income Tax, FICA, State Tax, and pre-tax deductions
  • Supports Hourly, Weekly, Bi-Weekly (26 paychecks), Semi-Monthly (24), and Monthly
  • Calculates exact paycheck cash deposits
  • Essential for evaluating job offers and career moves
  • 100% private calculation

How to Use this Calculator

  1. Enter Gross Salary or Hourly Wage
    Input gross compensation amount.
  2. Select Paycheck Frequency
    Choose Weekly, Bi-Weekly, Semi-Monthly, or Monthly.
  3. Select Filing Status & State
    Choose Single/Married and state tax rate.
  4. Calculate Take-Home Pay
    Click Calculate to view net take-home paycheck.

Assumptions & Limitations

What the calculation assumes

  • Every value you enter is treated as an exact, known amount.
  • Rates and contributions are assumed to stay constant for the whole period unless the form asks for them separately.
  • Results use standard financial formulas and ignore fees, penalties and promotional terms that are not entered above.
  • Inflation, tax changes and market volatility are not modelled unless a field for them is provided.
  • Amounts are unit-agnostic: results are returned in the same currency you enter.

What it does not cover

  • Take-Home Pay Calculator produces estimates for education and planning, not a quote, offer or professional advice.
  • Real-world outcomes differ when fees, taxes, rounding rules or provider-specific terms apply.
  • Local regulations and tax rules vary by country and change over time; verify current rules for your jurisdiction.
  • Figures are only as accurate as the inputs you supply — check them before acting on the result.
  • For decisions with lasting financial impact, confirm the numbers with a qualified professional.

Frequently Asked Questions

Gross earnings are reduced by federal income taxes, state income taxes, local taxes, FICA (6.2% Social Security + 1.45% Medicare), and pre-tax or voluntary benefit deductions (health insurance, 401k, life insurance).

Deductions like 401(k), HSA, and commuter benefits are subtracted before taxes are calculated. Contributing $100 pre-tax reduces take-home pay by only $70 to $80 depending on your bracket, delivering immediate tax savings.

Withholding is an estimated prepayment sent to the IRS by your employer from each check. Your true liability is calculated when you file your annual return; excess withholding results in a refund, while underwithholding triggers a balance due.

Self-employed individuals must manually budget for both employee and employer FICA (15.3% Self-Employment Tax) plus federal and state income taxes, typically reserving 25% to 35% of gross revenue for quarterly estimated tax payments.

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Next step: browse the full Taxes & Income calculators or read the related guides for context before you decide.