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Take-Home Pay Calculator

See exactly how much of your salary you keep after taxes.

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Annual take-home -
Monthly -
Biweekly -
Effective tax rate -
Total tax -

Estimates using federal brackets, FICA and your state rate. Not tax advice.

How it works

We compute total tax (federal income tax, FICA and your state rate) on your salary after pre-tax deductions, then show what remains annually, monthly and biweekly, plus your effective tax rate.

Effective rate: total tax divided by gross pay. Usually lower than your top bracket because of the progressive system.

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Compare take-home pay across pay types and periods with our other calculators.

Good to know

FAQs

What is take-home pay?

Your gross salary minus all taxes and pre-tax deductions - the money you actually receive.

What’s the difference between marginal and effective rate?

Marginal is the rate on your last dollar; effective is your overall average tax rate.

Does this include health insurance?

Enter premiums under pre-tax deductions to reflect them in your take-home pay.

How accurate is it?

It’s a close estimate using federal brackets and a flat state rate; real withholding varies by W-4 and locality.

Is this tax advice?

No - consult a tax professional for your specific situation.