Take-Home Pay Calculator
Estimate annual and periodic take-home pay.
What this take-home pay calculator does
Estimate net pay after common federal, payroll and other deductions from gross earnings.
How to use the calculator
Choose the pay frequency and filing information available in the calculator, then review the result as an estimate. Benefits, retirement plans, additional withholding and state or local taxes can materially change actual take-home pay.
How the calculation works
The calculator starts with gross earnings and estimates applicable deductions and taxes using the selected assumptions. It is designed for planning rather than filing a tax return.
What the result means
Example: a $75,000 salary and $5,000 of pre-tax deductions will not produce the same take-home amount as $75,000 with no deductions because taxable income and FICA wages can differ.
Important assumptions and limitations
For 2026, federal tax parameters have been published by the IRS, but withholding depends on personal circumstances and payroll elections. Always compare estimates with current IRS and employer information.
Frequently asked questions
It estimates federal income tax and employee FICA, then subtracts the pre-tax and other deductions you enter.
No. State and local withholding varies substantially, so those amounts are excluded from this general federal estimate.
Actual withholding depends on your W-4, pay frequency, benefits, state and local taxes, credits and payroll-system rules.
Yes. The federal standard deduction and income-tax brackets use the selected filing status, and the Additional Medicare Tax threshold is modeled by status for this estimate.
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