Take-Home Pay Calculator
Estimate your net pay after income tax, FICA, and pre-tax deductions — annual, monthly, and per paycheck. A quick paycheck estimate.
Estimated take-home pay
$48,083/yr
$4,007/mo · $1,849 biweekly · 36% total deductions
Income tax
$15,180
FICA
$5,738
An estimate using a single effective tax rate — not tax advice. Actual withholding depends on filing status, state, and credits.
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How to Use This Calculator
Enter your gross annual salary.
Set your effective income-tax % and FICA %.
Add pre-tax deductions (401k, health).
We estimate your take-home pay across periods.
Frequently Asked Questions
How do you calculate take-home pay?
Start with gross salary, subtract pre-tax deductions, then subtract income tax (on the reduced amount) and FICA (on gross). What remains is your estimated take-home.
What is FICA and how much is it?
FICA funds Social Security and Medicare — the employee share is 7.65% of wages (6.2% + 1.45%). High earners pay an extra 0.9% Medicare surtax above a threshold.
What effective tax rate should I enter?
Your effective rate is total income tax ÷ gross income — usually lower than your top bracket. For many US earners it lands around 12–24% federal plus state.
Why do pre-tax deductions increase take-home efficiency?
401k and pre-tax health premiums reduce your taxable income, so you’re taxed on less. You take home a bit less cash but save on taxes and build benefits.
Is this an exact paycheck amount?
No — it’s an estimate using a single effective rate. Actual withholding depends on filing status, allowances, state, and local taxes. Use it for planning, not tax filing.
Why Use This Calculator
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Estimate net pay from gross salary
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Factor in income tax, FICA, and 401k/health
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See yearly, monthly, and biweekly take-home
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Plan your budget around real numbers
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