FinanceUnited States versionFormula-based · Runs in your browser

Take-Home Paycheck Calculator

Estimate your net pay after federal, state, and FICA taxes.

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Saved locally, explained clearly

Drafts, calculations, scenarios, and workflow progress stay in this browser unless you export them.

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Calculation steps

Follow what happened from the selected formula to the displayed answer.

Show substituted values and intermediate working
Calculate current inputs to see the working.
  1. 1

    Formula selected

    The calculator uses the following formula or method.

    Take-home pay = gross pay − 2026 federal income tax − Social Security − Medicare − entered state-tax estimate, converted to the selected pay period.

  2. 2

    Values entered

    Your values are placed into the calculation.

    Enter values to see what is used in this step.

  3. 3

    Result calculated

    The formula or method produces the following result values.

    Results will appear after a successful calculation.

  4. 4

    Answer formatted

    Displayed values are rounded and formatted using each output’s configured precision.

Scenario comparison

Save working scenarios, then select two or three to compare. Formula versions and inputs remain visible.

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Recent calculations

Successful calculations are retained locally according to your privacy settings.

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Data and privacy
Additional planning scenario: Paycheck Planning Calculator

The original calculator and its saved-project input names remain unchanged above. This additional model is independent: use its own share-link button, not the original calculator’s project or export controls.

Estimate ordinary employment take-home pay from dated country tax and contribution rules. Canada, UK and Ireland use the selected supported contribution class; the national US view requires an explicit verified payroll amount.

Formula: Payment = (gross income − modeled annual taxes − selected automatic or manual employee contributions − after-tax deductions) / pay periods.

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Inputs

Enter the values you know. Optional fields may be left empty.

Separate scenario — use its own link
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Result

Updates as valid inputs change.

Calculated locally
Illustrative defaults are not local quotes or verified legal rules. Dated reference components and user-entered assumptions are explicitly distinguished. Professional review is pending.
Total modeled taxes
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Supported basic national credits before final tax limitations
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Canadian provincial/territorial tax (zero outside Canada)
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Taxable income used
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National bracket tax before credits
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Income tax after supported credits and local/provincial tax
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Irish USC (zero outside Ireland)
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Gross income less modeled taxes
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Modeled effective rate
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Modeled employee social/payroll contributions
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Estimated payment after contributions and deductions
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The main page’s project/export controls apply to the original calculator, not this separate scenario. A scenario link includes its input values.

Scope and limitations

  • Planning calculation, not a tax return, benefit decision, credit approval or legal opinion. No eligibility is inferred from a numeric result.
  • Only the stated tax year and expressly supported rule components are included. Entered amounts require independent verification.

Reference scope

  • US income authority — retrieved 2026-09-24. Use only the expressly supported schedule components; this link does not validate unrelated taxes.

How it works

Estimate annual and per-pay-period take-home pay after a simplified 2026 federal income-tax calculation, employee Social Security tax, Medicare tax, and entered pre-tax deductions.

Input query strings and outputs

Use an input name in this page’s URL as ?name=value, and join additional inputs with &. Portable shared links may instead use the compact ?ac= state parameter.

Input query strings

5
  • ?salary= Gross Income

    Number · Optional · Default: 75,000

  • ?hoursPerWeek= Hours Per Week

    Number · Optional · Default: 40

  • ?stateTaxRate= State Tax Rate (Est.)

    Number · Optional · Default: 5

  • ?payPeriod= Pay Period

    Text · Optional · Default: annual

  • ?filingStatus= Filing Status

    Text · Optional · Default: single

Outputs

1
  • result Result

    Text · Primary output

result contains the calculator’s complete rendered result area, including its visible result cards, tables, charts, and messages.

Formula

  • Taxable pay estimate = gross pay − entered pre-tax deductions
  • Federal income tax is calculated with the selected 2026 filing status and standard deduction.
  • Employee payroll taxes are applied under the calculator’s 2026 wage-base and Medicare rules.
  • Net pay = gross pay − deductions − estimated federal income tax − estimated employee payroll taxes

Limits

Withholding forms, credits, benefits treatment, additional deductions, state and local tax, self-employment tax, and employer-specific payroll rules are excluded. This is a planning estimate, not a payroll statement or tax return.

Sources
  • No external reference is listed for this calculator. Its formula and variable definitions are shown above.
Limitations
  • Estimates use the rates, timing, and assumptions entered. Fees, taxes, lender rules, and future changes are included only where explicitly shown.
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