How accurate is this estimate?

It uses the 2024 U.S. federal tax brackets, the standard deduction, Social Security (6.2% up to the annual wage base), and Medicare (1.45%), plus whatever flat state tax rate you enter. It doesn't account for tax credits, local/city taxes, the additional Medicare surtax on high earners, or itemized deductions, so treat it as a planning estimate, not an exact paycheck figure.

What counts as a pre-tax deduction?

Contributions that reduce your taxable wages before federal and state tax are calculated — most commonly 401(k)/403(b) contributions and employee-paid health, dental, or vision premiums. Roth 401(k) contributions do NOT count here since those are taken after tax.

Why does pay frequency change my per-paycheck amount but not my annual pay?

Your annual take-home pay is fixed by your salary and deductions — pay frequency only changes how that same annual amount is split across paychecks. Biweekly (26 paychecks) gives a smaller per-check number than monthly (12 paychecks) for the same yearly total.

Is my salary information sent anywhere?

No. All calculations run locally in your browser with JavaScript — nothing is transmitted or stored.

TAKE-HOME PAY CALCULATOR

Estimate your net paycheck after taxes and deductions. Nothing leaves your browser.

Gross annual salary

Estimated state tax %

Pre-tax deductions/yr (401k, health)

Pay frequency

Take-home pay / 2 weeks$2,124

Annual take-home pay$55,211

Estimated annual deductions

Federal tax: $7,681
State tax: $3,600
Social Security: $4,464
Medicare: $1,044

Effective tax rate: 22.4%

Estimate only, using 2024 U.S. federal brackets and the standard deduction. It doesn't account for tax credits, local taxes, or additional Medicare surtax — use it for ballpark planning, not a paycheck guarantee.

How to use the take-home pay calculator

1
Enter your gross annual salary and filing status (single or married filing jointly).
2
Enter your estimated state income tax rate and any pre-tax deductions (401(k), health insurance).
3
Pick your pay frequency — weekly, biweekly, semi-monthly, or monthly.
4
Read your estimated take-home pay per paycheck and for the year, plus the deduction breakdown.

Questions

How accurate is this estimate?: It uses the 2024 U.S. federal tax brackets, the standard deduction, Social Security (6.2% up to the annual wage base), and Medicare (1.45%), plus whatever flat state tax rate you enter. It doesn't account for tax credits, local/city taxes, the additional Medicare surtax on high earners, or itemized deductions, so treat it as a planning estimate, not an exact paycheck figure.
What counts as a pre-tax deduction?: Contributions that reduce your taxable wages before federal and state tax are calculated — most commonly 401(k)/403(b) contributions and employee-paid health, dental, or vision premiums. Roth 401(k) contributions do NOT count here since those are taken after tax.
Why does pay frequency change my per-paycheck amount but not my annual pay?: Your annual take-home pay is fixed by your salary and deductions — pay frequency only changes how that same annual amount is split across paychecks. Biweekly (26 paychecks) gives a smaller per-check number than monthly (12 paychecks) for the same yearly total.
Is my salary information sent anywhere?: No. All calculations run locally in your browser with JavaScript — nothing is transmitted or stored.