Paycheck Calculator

Estimate your take-home pay after taxes and deductions per pay period. Free, instant, no signup.

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Formula: Take-home = gross − pre-tax − tax − post-tax

How to use the Paycheck Calculator

  1. Enter your values. Fill in the fields with your numbers.
  2. Calculate. Press Calculate to run the paycheck calculator.
  3. Use the result. Copy the result or try a related tool next.

Why use our Paycheck Calculator

Instant results. Enter your figures and the paycheck calculator returns an answer in seconds.
Free & private. Runs in your browser — no signup, and nothing is sent to a server.
Accurate. Uses standard formulas so you can rely on the numbers.

Free to use — premium coming soon

FREE
  • Unlimited calculations
  • Instant results
  • No signup
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  • Save & compare scenarios
  • Export results

About the Paycheck Calculator

The Paycheck Calculator turns a gross salary or hourly wage into the number that actually reaches your bank account: your take-home, or net, pay. Gross pay is the headline figure on a job offer, but it is rarely what you can spend. Between that number and your real paycheck sit federal income tax withholding, Social Security and Medicare (FICA), any state and local income tax, and the deductions you choose, such as a 401(k) or health insurance. This tool estimates each of those layers so you can see where your money goes before payday rather than being surprised by the first deposit.

Reach for this calculator whenever your real cash flow matters more than your salary on paper. It is useful when you are weighing a job offer, deciding how much rent or a car payment you can carry, setting a monthly budget, or testing how a raise will feel after taxes. It also answers a question employees ask constantly: how much extra would I actually keep if I bumped my 401(k) up by a few percent, or what would switching from biweekly to monthly pay do to each check. Seeing net pay per period, rather than per year, makes those trade-offs concrete.

Mechanically, the calculation follows the order payroll departments use. Start with gross pay for the period, subtract eligible pre-tax deductions like a traditional 401(k) and many health premiums to get taxable wages, then apply federal withholding based on your W-4. FICA is layered on: 6.2% for Social Security up to the annual wage cap ($184,500 in 2026) and 1.45% for Medicare on all wages, with an extra 0.9% Medicare surtax above $200,000. State and local taxes and any after-tax deductions come last. Pay frequency divides the annual figures into checks: 52 weekly, 26 biweekly, 24 semimonthly, or 12 monthly.

Treat the result as a well-grounded estimate, not an exact pay stub. Real withholding depends on the specifics of your W-4, your state and locality, employer benefit rules, and the fact that income tax uses graduated brackets rather than one flat rate, so two people with the same salary can take home different amounts. For privacy, everything is computed in your browser as you type. The figures you enter, including your salary and deductions, are not transmitted to a server or stored, so you can model sensitive numbers freely and compare scenarios without leaving a trail.

Frequently asked questions

What is the difference between gross pay and net pay?

Gross pay is your total earnings before anything is removed, such as your full annual salary or hourly wage times hours worked. Net pay, or take-home pay, is what remains after taxes and deductions and is the amount actually deposited into your account.

Why is my take-home pay so much lower than my salary?

Federal income tax withholding, Social Security (6.2%) and Medicare (1.45%), and often state and local taxes are subtracted from every check, along with deductions you elect like a 401(k) or health insurance. For many W-2 workers roughly a quarter to a third of gross pay goes to taxes before benefit choices are applied.

Does contributing to a 401(k) increase my take-home pay calculation?

A traditional 401(k) contribution lowers your federal income taxable wages, so it reduces income tax and softens the hit to net pay. It does not reduce Social Security or Medicare taxes, though, because those still apply to the amount you defer.

How does pay frequency change the numbers?

Your annual take-home pay is the same regardless of schedule, but it is split across a different number of checks: 52 weekly, 26 biweekly, 24 semimonthly, or 12 monthly. Less frequent pay means larger individual checks but the same yearly total.

Is this calculator accurate enough to rely on?

It gives a close estimate based on standard federal rules and the figures you provide, which is ideal for budgeting and comparing offers. Your actual paycheck can differ because of your specific W-4, your state and locality, and the fact that income tax uses brackets, so check your real pay stub for exact amounts.

From our blog

How to Use a Compound Interest Calculator to Plan Smarter Savings

By the Super Simple Digital Tools Team · Updated June 2026

Most people meet compound interest as a tidy formula and walk away no wiser about their own money. A calculator closes that gap by turning A = P(1 + r/n)^(nt) into a concrete answer: enter what you have, what you will add, and how long you will wait, and it tells you where you land. The skill is not in the arithmetic, which the tool handles, but in choosing honest inputs and reading the output critically. This guide walks through each field so your projection reflects a plausible future rather than a flattering one.

Start with the principal, your current balance for this goal. Keep it specific to one account or objective rather than lumping in money you may need sooner. Next set the annual rate. For a savings account or CD use the APY the institution quotes, since APY already bakes in compounding; for investments, pick a return you would defend out loud, not the best year you ever had. Because the calculator holds this rate steady for the entire term, it helps to run the numbers two or three times at different rates to see the spread of outcomes.

Compounding frequency is the input people overthink. It sets n, the number of times per year interest is credited, and more frequent compounding earns a little more because interest re-invests sooner. In practice the difference between monthly and daily compounding is small, especially below mid-single-digit rates, so do not chase a fractionally higher frequency at the expense of a meaningfully higher rate. If you are comparing real products, match each calculation to how that product actually compounds so the contest is fair.

Contributions are where the calculator earns its keep. Add a realistic recurring deposit and watch how the final balance and the interest-earned line jump. Each contribution begins compounding from the moment it lands, so the steady saver who adds a modest amount monthly frequently overtakes someone who deposited a larger lump sum once and stopped. This is the single most actionable lever for most people, more controllable than the rate and far more powerful than timing, so it is worth testing a few contribution levels side by side.

Finally, read the result like an analyst, not a fan. Note how the tool splits your ending balance into money you contributed versus interest earned; a healthy long-term projection should show interest doing real work. Remember the number is pre-tax and pre-inflation, so a balance that looks large in today's eyes may buy less decades from now. Use the projection to compare choices and set savings targets, then revisit it whenever your rate, timeline, or contribution changes, because the inputs that drive it rarely stay frozen for long.

  • Enter APY rather than a nominal rate for savings accounts and CDs, since APY already reflects the compounding and avoids double-counting.
  • Run the same scenario at a low, medium, and high rate to see a realistic range instead of betting on one fixed assumption.
  • Increase the monthly contribution rather than hunting for a higher compounding frequency; the deposit lever moves the result far more.
  • Mentally subtract an inflation estimate from your rate to gauge real purchasing power, since the tool reports nominal growth before tax.

Read the full guide →

Tool by the Super Simple Digital Tools Team. Reviewed by our editorial team. Free to use, no signup required.

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