Take-Home Pay Calculator (US)
Estimate your paycheck after federal and state tax.
US 2024 brackets, standard deduction only. Does not account for 401(k), HSA, FSA, dependents, or local taxes. Real take-home is usually 1-3% higher if you contribute to pre-tax retirement.
About
Type your gross salary, filing status, and state tax rate. The tool subtracts federal income tax (using current US brackets), Social Security, Medicare, and state income tax to estimate your take-home pay annually, monthly, and biweekly.
How to use
- Enter your annual gross salary.
- Pick your filing status.
- Enter your state's income tax rate (or 0 for no-income-tax states).
- Read your take-home pay.
FAQ
How accurate is this?+
Within a few percent for simple cases. It uses the standard deduction and assumes no 401(k), HSA, or itemized deductions. Real take-home is usually a bit higher if you contribute pre-tax.
Why doesn't it ask about state-specific deductions?+
Every state has its own rules and brackets. The tool uses a flat state rate for simplicity. For a precise number, check a calculator from your state's revenue department.