Estimate your net pay per paycheck after federal, FICA, state, 401(k) and other deductions.
| Item | Per paycheck | Per year |
|---|---|---|
| Gross pay | $2,884.62 | $75,000.00 |
| − Federal income tax | $263.27 | $6,845.00 |
| − Social Security | $178.85 | $4,650.00 |
| − Medicare | $41.83 | $1,087.50 |
| − State income tax | $0.00 | $0.00 |
| − 401(k) | $144.23 | $3,750.00 |
| − Health insurance | $0.00 | $0.00 |
| − Other deductions | $0.00 | $0.00 |
| Net pay | $2,256.44 | $58,667.50 |
Please do not make financial decisions based on these results.
What is the Take-Home-Paycheck Calculator?
A paycheck calculator estimates your net pay each pay period after federal income tax, Social Security, Medicare, state tax and deductions such as a 401(k).
From gross pay to net pay
Your gross pay is what you earn before anything is taken out. Your net pay, or take-home pay, is what reaches your bank account. The difference is made up of federal income tax withholding, Social Security and Medicare, state and local taxes, and deductions such as retirement contributions and health insurance.
What reduces a paycheck
The calculator walks through each deduction so you can see where the money goes.
- Federal income tax. Based on your pay, filing status and withholding choices.
- Social Security and Medicare. Payroll taxes applied to wages, with Social Security limited to a yearly earnings cap.
- Retirement contributions. Traditional 401(k) contributions lower taxable income now; Roth contributions do not.
- Other deductions. Insurance premiums and similar items reduce the check further.
Checking against your pay stub
Compare the result with a real pay stub. Differences usually come from benefits, local taxes or a different pay frequency. For the yearly tax picture use the income tax calculator, and for planning how to spend the net amount, try the 50/30/20 budget planner.
How to use the Take-Home-Paycheck Calculator
- Enter your numbers. The inputs are Pay ($), 401(k) / retirement (% of pay). Use the tax year and filing status that apply to you, and gross figures unless a field says otherwise. Fields marked optional can stay at zero.
- Choose your options. Pay period, Paycheck frequency, Tax year change how the result is worked out, and the form updates to match your choice.
- Read the result. The highlighted box gives the Take-home pay per paycheck, and the cards below show Gross per paycheck, Net per year, Net per month. Tables and charts break it down further.
- Test other scenarios. Results update as you type. Change one value at a time to see what drives the answer, and press Reset to go back to the defaults.
Formula and how it works
Example with real numbers
Here is the Take-Home-Paycheck Calculator using the default values shown in the calculator above:
Inputs
| Pay ($) | 75,000 |
|---|---|
| Pay period | Yearly |
| Paycheck frequency | Every 2 weeks (26) |
| Tax year | Tax year 2026 |
| Filing status | Single |
| 401(k) / retirement (% of pay) | 5 |
Results
| Take-home pay per paycheck | $2,256.44 |
|---|---|
| Gross per paycheck | $2,884.62 |
| Net per year | $58,667.50 |
| Net per month | $4,888.96 |
| Take-home % of gross | 78.22% |
With these inputs the calculator returns Take-home pay per paycheck: $2,256.44. Change any value in the calculator to see how the result moves.
What the results tell you
The results panel of the Take-Home-Paycheck Calculator reports Take-home pay per paycheck, gross per paycheck, net per year, net per month and take-home % of gross. Compare these figures while changing one input at a time, and use the related calculators below to look at the same situation from another angle.
Tips for better results
Method and limits. This calculator applies the formula in the section above to your inputs, in your browser; nothing you enter is stored on our servers. Tax rules change every year and depend on your full situation (state, filing status, credits), so treat the result as an estimate and confirm it with the IRS or a tax professional. It is for information, not financial, tax or legal advice.
Frequently asked questions
Why does my paycheck differ?
W-4 settings, local taxes and benefits change real withholding.
What payroll taxes are taken from my paycheck?
Social Security at 6.2% up to the yearly wage base and Medicare at 1.45%, plus income tax withholding.
Which tax year and rates are used?
US federal brackets and standard deductions for 2026 and 2025, plus FICA. State tax is a rate you enter.
Is this tax advice?
No. Please do not make tax decisions based on these results. Use a tax professional for your actual return.
Are the results guaranteed?
No. Results depend entirely on the numbers you enter and the formulas shown on this page. Please do not make financial decisions based on them alone; confirm important figures with a licensed professional.
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Guides that use this calculator
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