Updated · Built and checked by the PlinzoTools team, formulas tested against published sources
Estimate your net take-home pay per paycheck from your annual salary, filing status, and deductions.
$1822.69
Your paycheck's net (take-home) amount is your gross pay minus several layers of tax and deductions: federal income tax (calculated progressively across tax brackets, not a single flat rate), FICA (Social Security and Medicare), state income tax (which varies enormously by state, so this tool asks for your own flat rate estimate rather than guessing), and any pre-tax or post-tax deductions you've elected (401k contributions, health insurance premiums, and similar). This calculator also covers the identical "Take-Home Pay Calculator" search intent -- it's the same net-pay computation either way.
Enter your annual gross salary, filing status, an estimated flat state tax rate (check your state's actual bracket or flat rate -- some states like Texas and Florida have no state income tax at all, so enter 0), your number of pay periods per year (26 for biweekly, 24 for semimonthly, 12 for monthly), and any pre-tax deductions (401k, HSA) or post-tax deductions (Roth 401k, union dues) on an annual basis.
Taxable Wages = Annual Gross − Pre-Tax Deductions
Federal Taxable Income = Taxable Wages − Standard Deduction
Federal Tax = progressive bracket calculation on Federal Taxable Income
FICA = 6.2% Social Security (capped at the annual wage base) + 1.45% Medicare (uncapped) + 0.9% Additional Medicare Tax on wages above $200,000
Net Pay = Annual Gross − Pre-Tax Deductions − Federal Tax − FICA − State Tax − Post-Tax Deductions, divided by pay periods
This uses 2026 federal tax brackets and standard deduction amounts (IRS Rev. Proc. 2025-32) as a reasonable estimate baseline -- these figures change annually, and your actual paycheck withholding also depends on your W-4 elections (which can adjust withholding above or below what a pure bracket calculation would predict). This is an estimate for planning purposes, not tax advice or an official payroll calculation.
Use this to sanity-check an actual paycheck, compare take-home pay between job offers with different salaries or pay frequencies, or plan a budget around your expected net income. For a bonus paid separately from your regular paycheck, see the Bonus Tax Calculator instead, which uses a different flat supplemental withholding rate.
If the estimate and your actual pay stub differ, compare them line by line instead of looking at the net amount alone. Check gross pay first, then each deduction. Differences most often come from pre-tax benefits you did not enter, a state rate that is different from the flat rate you guessed, or local taxes. Your W-4 choices can also move withholding up or down. For official rates, brackets, and the current wage base, confirm with IRS.gov, the Social Security Administration, and your state tax agency, and ask your payroll department if a line on the stub is unclear.
A useful check is to run the calculator twice, once with a 401(k) contribution and once without, and see how much the take-home changes. Because pre-tax money is not taxed, the drop in net pay is smaller than the amount you contribute.
Your W-4 elections, additional voluntary withholding, local/city taxes, and your employer's specific payroll software rounding can all cause your real paycheck to differ somewhat from this bracket-based estimate.
Enter 0 for the state tax rate -- states like Texas, Florida, Nevada, Washington, and a few others have no state income tax at all.
Yes -- Social Security tax (6.2%) only applies up to an annual wage base limit ($184,500 for 2026); income above that isn't taxed for Social Security, though Medicare tax (1.45%) has no cap.
Traditional 401(k)/403(b) contributions, traditional IRA payroll deductions (less common), HSA contributions, and traditional health/dental/vision premiums are commonly pre-tax -- they reduce your taxable wages before tax is calculated. One simplification to know about: payroll health premiums and HSA/FSA deductions also reduce Social Security and Medicare wages, but 401(k)/403(b) contributions do not. This calculator applies the single pre-tax amount you enter to income tax and FICA alike, so for a traditional 401(k) contribution it slightly understates FICA (by 7.65% of the contribution).
Yes -- take-home pay and net pay are the same concept, so this single tool covers both search terms with identical math.
It doesn't proportionally -- annual net pay stays the same regardless of pay frequency, but each individual paycheck's dollar amount is naturally smaller with more frequent pay periods (26 biweekly checks vs. 12 monthly checks, for example).
Reference: Internal Revenue Service