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Take-home pay guide
Estimate your net paycheck after taxes and pre-tax deductions. Results are simplified and should be validated against your latest pay stub.
Pre-tax deductions
401(k), HSA, and insurance premiums can lower taxable income and reduce withholding.
Filing status and state
Federal and state withholding depend on your filing status, state rules, and local taxes.
Pay frequency
Weekly, biweekly, and monthly schedules change the per-paycheck amount even if annual pay is the same.
What this calculator includes
- Federal, state, and payroll tax estimates.
- Common pre-tax deductions you enter.
- Breakdowns by pay period and annual totals.
What it does not include
- Local taxes, bonuses, commissions, or overtime.
- Special tax credits or itemized deductions.
- Employer-specific benefits not listed in the form.
Improve accuracy
- Match inputs to your latest pay stub and benefits elections.
- Update your filing status and withholdings when life changes.
- Review the results annually since tax rules change over time.
Take-home pay calculator FAQ
Why is my net pay different from the calculator?
Paychecks can differ due to withholding updates, benefit changes, bonuses, or local taxes. Use a recent pay stub to adjust inputs.
Do pre-tax deductions reduce taxes?
Yes. Pre-tax deductions lower your taxable income, which can reduce federal and state taxes depending on the deduction type.
How do bonuses affect take-home pay?
Bonuses are often withheld at different rates than regular pay, so the net amount may be higher or lower than a typical paycheck.
Should I change my W-4?
If you consistently owe taxes or receive large refunds, review your W-4 withholdings. Consider professional guidance for complex situations.