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Take-home pay estimator
A rough estimate of your US net pay after federal income tax and FICA. This is a simplified estimate — it ignores state taxes, credits, and pre-tax deductions. Always confirm with a tax professional.
Enter your gross annual salary and filing status to estimate your net take-home pay.
How it works
How the take-home pay estimator works
Enter your gross salary
Type your gross annual pay — the full salary before any tax or deduction comes out.
Choose your filing status
Pick single or married filing jointly so the standard deduction and brackets match your situation.
Read the tax breakdown
See the estimated federal income tax, Social Security, and Medicare withheld from your pay.
See your net pay
Read your estimated take-home pay as an annual, monthly, and biweekly figure.
Take-home pay FAQ
Take-home pay, also called net pay, is what is left of your salary after taxes and deductions come out. It is the amount that actually reaches your bank account, and it is always lower than your gross salary.
FICA is the payroll tax that funds Social Security and Medicare. It takes about 7.65 percent of your pay — 6.2 percent for Social Security and 1.45 percent for Medicare — and your employer pays a matching share.
No. It is a rough estimate built on federal income tax and FICA only. It leaves out state and local tax, pre-tax deductions like 401k and HSA, and tax credits, so your real paycheck can differ. Confirm with a tax professional before relying on the number.
Pre-tax contributions are the usual lever. Money you route into a traditional 401k, an HSA, or similar accounts lowers your taxable income, so less federal tax is withheld and more of each paycheck stays with you. Updating your withholding to match your real tax bill also helps.
Yes. It is free with no signup and nothing you enter is stored. Estimate as many salaries and filing statuses as you like.
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