Take-Home Pay Calculator
Estimate net pay after federal income tax, FICA, and state/local withholding—then compare monthly, weekly, and per-paycheck amounts at a glance.
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Why people use this
Federal brackets
2025 tables
FICA included
SS + Medicare
Your state
Custom % rate
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Take-Home Pay FAQ
How accurate is this take-home estimate?
It uses 2025 federal brackets, standard deduction, and FICA wage bases. Your actual paycheck depends on W-4 withholding, pre-tax benefits, and credits.
Why use a flat state/local percentage?
State rules vary widely. A single effective rate keeps planning simple; adjust the % field to match your situation.
Does bi-weekly vs monthly change annual tax?
No—the annual tax math is the same. Pay frequency only changes how many paychecks divide your net pay.
How it works
We subtract estimated federal income tax (progressive 2025 brackets after the standard deduction), FICA payroll taxes, and a flat state/local percentage from your gross annual salary.
- Pre-tax 401(k), HSA, or health insurance premiums are not modeled
- Child tax credits and itemized deductions are not included
- Consult a tax professional for filing decisions