Estimate your take-home pay per paycheck and per year after pre-tax deductions and taxes, with a full breakdown.
Your pay details
Gross pay, deductions and an estimated tax rate.
$
$
Pre-tax: lowers the income your taxes are calculated on.
$
%
Rough estimate only, not tax advice. Real payroll uses progressive brackets plus Social Security, Medicare and state taxes.
Net pay per paycheck
$0
Gross annual
-
Pre-tax deductions
-
Est. taxes
-
Net annual
-
Where your paycheck goes
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How take-home pay is estimated
Pre-tax deductions come off first, then one flat tax rate is applied to what is left:
Net = (Gross - Deductions) x (1 - Tax rate)
Gross and deductions are annualized using your pay frequency (26 for biweekly, 24 for twice-a-month, and so on), then the result is divided back into per-paycheck figures.
Estimate only
Not tax advice: real US payroll uses progressive federal brackets, state and local taxes, Social Security (6.2%) and Medicare (1.45%).
Match your reality: check last year's return for your effective rate and slide the tax rate to match.
401(k) limits: 2026 employee contributions are capped; very high earners should cap the per-paycheck figure accordingly.
Overtime and bonuses are taxed differently and are not included here.
It is a planning estimate, not a payroll system. It applies one flat tax rate you choose to taxable income after pre-tax deductions. Real paychecks use progressive federal brackets, state and local taxes, Social Security and Medicare, so treat the result as a rough guide.
What is the difference between gross pay and net pay?
Gross pay is what you earn before anything is taken out. Net pay, or take-home pay, is what lands in your bank account after pre-tax deductions like 401(k) and health insurance, plus all taxes.
What counts as a pre-tax deduction?
Common pre-tax deductions are 401(k) or 403(b) retirement contributions, health, dental and vision premiums, HSA or FSA contributions, and commuter benefits. They lower the income your taxes are calculated on.
Why is the tax rate adjustable?
Everyone's effective tax rate differs by income, state and filing status. The 22% default is a common middle bracket, but you can slide it to match your own effective rate from last year's return for a closer estimate.