Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
401(k), health, HSA
Result
Take-home per paycheck
$2,457.63
Annual take-home
$63,899
Federal income tax
$10,534
Social Security + Medicare
$7,268
State income tax
$4,300
Total deduction rate
32.7%
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One click, a permanent link with your numbers baked in.
How to use this
- 1Enter gross annual salary ($).
- 2Enter filing status.
- 3Enter state income tax rate (%).
- 4Enter pre-tax deductions ($/yr) — 401(k), health, HSA.
- 5Enter post-tax deductions ($/yr).
- 6Enter pay frequency.
- 7Read your take-home per paycheck on the right — it updates as you type.
- 8Hit Share to keep the scenario or send it to someone.
About this calculator
Runs federal brackets, Social Security, Medicare, your state rate, and pre-tax deductions to land on what actually hits your bank account each pay period.
Worked example
Using the values the calculator loads with:
Inputs
- Gross annual salary: 95000 $
- Filing status: Single
- State income tax rate: 5 %
- Pre-tax deductions: 9000 $/yr
- Post-tax deductions: 0 $/yr
- Pay frequency: Bi-weekly (26)
Results
- Take-home per paycheck: $2,457.63
- Annual take-home: $63,898.50
- Federal income tax: $10,534.00
- Social Security + Medicare: $7,267.50
- State income tax: $4,300.00
- Total deduction rate: 32.7%
What each field means
Inputs
- Gross annual salary ($)
- The gross annual salary used in the calculation, measured in $. Starts at 95000 $ so you have a working example on load.
- Filing status
- Pick the option that matches your situation — the maths changes per option. Choices: Single, Married filing jointly.
- State income tax rate (%)
- The state income tax rate used in the calculation, measured in %. Starts at 5 % so you have a working example on load. Accepted range: 0–15 %.
- Pre-tax deductions ($/yr)
- 401(k), health, HSA
- Post-tax deductions ($/yr)
- The post-tax deductions used in the calculation, measured in $/yr. Starts at 0 $/yr so you have a working example on load.
- Pay frequency
- Pick the option that matches your situation — the maths changes per option. Choices: Weekly (52), Bi-weekly (26), Semi-monthly (24), Monthly (12).
Results
- Take-home per paycheck
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Annual take-home
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Federal income tax
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Social Security + Medicare
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- State income tax
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Total deduction rate
- Returned as a percentage. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
How does the take-home pay calculator work?
Runs federal brackets, Social Security, Medicare, your state rate, and pre-tax deductions to land on what actually hits your bank account each pay period. The underlying maths is: Net = Gross − pre-tax deductions − federal tax − FICA − state tax − post-tax deductions.
What do I need to enter?
6 values: gross annual salary, filing status, state income tax rate, pre-tax deductions, post-tax deductions, and pay frequency. Each field starts with a sensible default, so you can change one number at a time and watch the result move.
What does the take-home per paycheck result mean?
It is returned as a money amount in US dollars and updates live as you edit the inputs, so you can compare two or three versions of a scenario in a few seconds.
Is this calculator free, and do I need an account?
Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser.
How accurate is the result?
It applies the standard formula exactly, so the arithmetic is precise. Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
Who is this tool for?
It's built for anyone comparing money scenarios before committing — budgeting a payment, sanity-checking a quote, or seeing what a change in rate or term actually costs.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Take-Home Pay Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/take-home-pay
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/take-home-pay" target="_blank" rel="noopener">Take-Home Pay Calculator — RevenueLab</a> (2026).</p>
Source: [Take-Home Pay Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/take-home-pay) (2026).