Take-Home Pay Calculator
Estimate net pay after taxes and deductions.
Enter your values
ⓘ Live results
Results
- Net (take-home) pay
- $2,393.20
- FICA (Social Security + Medicare)
- $244.80
- Federal + state tax
- $512.00
- Total deductions & taxes
- $1,106.80
Quick answer
Take-home pay is your gross pay minus federal and FICA taxes, plus any state/local taxes, minus pre-tax deductions like retirement contributions and health premiums.
Net pay = gross - federal tax - FICA - pre-tax deductions - other withholdings
How to use the Take-Home Pay Calculator
- 1Enter your gross pay per period and pre-tax deductions like 401(k) or health premiums.
- 2Enter estimated federal and state tax rates (check a recent pay stub for accuracy).
- 3See your estimated net pay after FICA, income tax and other deductions.
Worked example
Using the values the calculator loads with:
Inputs
- Gross pay per period3500 $
- Estimated federal tax rate12 %
- State tax rate4 %
- Pre-tax deductions (401k, health)300 $
- Other post-tax deductions50 $
Results
- Net (take-home) pay$2,393.20
- FICA (Social Security + Medicare)$244.80
- Federal + state tax$512.00
- Total deductions & taxes$1,106.80
Frequently asked questions
Why does this differ from my actual paycheck?
Actual withholding depends on your W-4 elections and tax brackets, which are more precise than a flat estimated rate.
What is FICA?
It's the combined Social Security (6.2%) and Medicare (1.45%) tax, totaling 7.65% for employees.
About this calculator
- Built and reviewed by James Whitfield · How we build and test calculators
- Report an error
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.