Paycheck Calculator
Estimate your take-home pay after federal income tax, FICA (Social Security & Medicare) and state tax.
What this estimate includes
The estimate starts with annual gross pay, subtracts the pre-tax 401(k) and health inputs shown, applies the standard deduction, then separates federal income tax, Social Security, Medicare and state tax. State methods vary, so the result labels graduated-state estimates rather than presenting every state figure as exact.
Check before deciding
Local or city taxes, tax credits, itemized deductions, additional pre-tax accounts and special payroll treatment are outside the model. Compare the result with a pay stub or payroll estimate, and use IRS and state guidance for a filing decision.
Frequently asked questions
What is net salary (take-home pay)?
Net salary is what actually lands in your bank account after statutory deductions and tax are taken from your gross pay. This calculator estimates it using United States's current rules.
What should I compare with my payslip?
Check the gross-pay period, pre-tax benefits, statutory contributions, tax withholding and any local deductions. A mismatch in one input can explain a large difference in the final take-home figure.
How accurate are the results?
The math follows published rates and brackets, so it is a close estimate for planning. For an exact figure, confirm with your employer's payroll or a licensed adviser.
What is the difference between gross and net pay?
Gross pay is your full salary before anything is taken out. Net pay is what remains after mandatory contributions and income tax, and it is the amount you can actually budget with.
Why is my take-home pay lower than my stated salary?
Statutory contributions and income tax are withheld before you are paid. The calculator breaks these down so you can see exactly where each part of your United States salary goes.
Paycheck calculator by state
This calculator covers all 50 US states and Washington D.C. — including the no-state-income-tax states (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming). Pick your state to estimate take-home pay:
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming