Take-Home Pay Calculator
gross → net estimate
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Estimated annual take-home
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Monthly net pay
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Monthly take-home
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Total cost
Take-home snapshot
Enter your gross salary and an assumed total tax rate (federal + state + FICA) to estimate your net pay per year and per month.
Related tools
How net pay is estimated
- Gross vs net: gross is your salary before taxes; net is what hits your bank account.
- Effective tax: most middle-income US workers see 17–30% deducted in total — use 25% as a reasonable default.
- This tool is simplified: real paychecks depend on filing status, state, pre-tax 401(k) contributions and more.
Estimate only: Estimate only — use your actual pay stub or IRS withholding calculator for exact numbers.