Take-Home Pay Calculator — Estimate Your Net Salary After Taxes
Take-Home Pay Calculator
Estimate your net salary after federal and local tax assumptions, deductions, and pre-tax items.
Income and deductions
Estimated breakdown
How this estimate works
Take-home pay is the amount left after payroll taxes and deductions are subtracted from gross income. It is a useful planning number for monthly budgeting, debt management, and home affordability.
This calculator uses a simplified payroll model with federal, state, local, Social Security, Medicare, retirement contributions, and health insurance to estimate your net pay.
Because every tax situation differs by filing status, region, and benefit election, this result should be treated as a planning estimate rather than an official paycheck calculation.
- Gross income is the starting amount before deductions.
- Payroll taxes reduce take-home pay for Social Security and Medicare.
- Retirement and health insurance also reduce annual net pay.
- Monthly net pay helps with budgeting and savings planning.
Frequently asked questions
Is this the same as my paycheck?
No. This is a simplified estimate used for budgeting and planning. Real payrolls can vary based on withholding elections and tax filing details.
What taxes are included?
Federal, state, local, Social Security, and Medicare are included in this estimate, plus optional retirement and health insurance amounts.
How do pre-tax deductions affect pay?
Pre-tax deductions reduce taxable income, so the model lowers taxable wages before applying the tax rates you enter.
Does this include overtime or bonuses?
No. This version models a base annual salary. Overtime and bonus income can be added separately if needed.