Net pay after taxes, retirement contributions and deductions.
How to use this calculator
Every field updates the result as you type — there is no submit step. The inputs below are pre-filled with a realistic example so you can see how the tool behaves before entering your own figures.
| Field | Unit | What it means |
|---|---|---|
| Gross annual pay | $ | Enter a numeric value. |
| Pay frequency | — | Choose one of the available options. |
| Federal tax rate | % | Enter a numeric value. |
| State/local tax rate | % | Enter a numeric value. |
| Social security rate | % | Enter a numeric value. |
| Medicare rate | % | Enter a numeric value. |
| Pre-tax deductions (yearly) | $ | Enter a numeric value. |
| Post-tax deductions (yearly) | $ | Enter a numeric value. |
Worked example
Using the default values loaded into the calculator above, the result is:
| Input | Value |
|---|---|
| Gross annual pay ($) | 85000 |
| Pay frequency | Bi-weekly |
| Federal tax rate (%) | 14 |
| State/local tax rate (%) | 5 |
| Social security rate (%) | 6.2 |
| Medicare rate (%) | 1.45 |
| Pre-tax deductions (yearly) ($) | 6000 |
| Post-tax deductions (yearly) ($) | 0 |
| Output | Value |
|---|---|
| Take-home per paycheck | $2,211.06 |
| Gross per paycheck | $3,269.23 |
| Federal tax | $425.38 |
| State/local tax | $151.92 |
| Social security | $202.69 |
| Medicare | $47.40 |
| Pre-tax deductions | $230.77 |
| Post-tax deductions | $0.00 |
Reading the result
Financial projections compound small assumption changes into large differences over time. Rates, fees and tax treatment vary by lender and jurisdiction, so treat the output as a well-structured estimate for comparing options rather than a quotation.
Figures that change annually — tax bands, contribution limits, statutory rates — are exposed as editable inputs. Check them against current published values before relying on the result.
Sharing and saving a calculation
The "Copy link" button encodes every value you have entered into the page URL. Opening that link restores the calculation exactly, which makes it easy to bookmark a scenario, send it to someone else, or keep several variations side by side in separate tabs.
Frequently asked questions
What does the Take-Home-Paycheck Calculator do?
Net pay after taxes, retirement contributions and deductions.
What result do the default values produce?
With the values pre-loaded in the calculator, take-home per paycheck comes to $2,211.06.
Is this calculator free to use?
Yes. It is free, requires no account, and runs entirely in your browser — nothing you enter is transmitted or stored on a server.
Can I save or share a calculation?
Yes. The "Copy link" button builds a URL containing all your entered values. Anyone opening that link sees the same calculation.
How accurate is the result?
The calculation itself is exact for the inputs given. Real-world accuracy depends on how well those inputs reflect your actual situation, so review the assumptions before relying on the figure.