Free net paycheck calculator: estimate your take-home pay from an annual salary or hourly rate after federal income tax (2024 brackets), Social Security + Medicare (FICA), and optional state income tax. See your net per paycheck, per month, per week, and per hour. Runs in your browser.
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Enter your pay and press Calculate.
How net paycheck calculator works
This calculator turns your gross pay into the number you actually care about: your take-home pay. Enter either an annual salary or an hourly rate plus hours per week, optionally add pre-tax deductions (like a traditional 401(k) or health premiums) and post-tax deductions (like Roth contributions or garnishments), pick a state, and choose a pay frequency. The tool shows your net per year, per paycheck, per month, per week, and per hour.
It applies the 2024 US federal income-tax brackets for a single filer (with the $14,600 standard deduction subtracted to get taxable income), then FICA: Social Security at 6.2% on wages up to the $168,600 wage cap, plus Medicare at 1.45% on all wages. State income tax uses a flat top-rate approximation drawn from public Department of Revenue data; sub-state brackets, credits, and local add-ons are not modeled, so treat it as an estimate.
The take-home percentage shows what slice of your gross you actually keep. The hourly take-home divides your annual net by the hours you work in a year (your weekly hours times 52, or 2,080 if you did not enter hourly hours). It is a planning estimate, not tax advice; your actual withholding depends on your W-4, benefits, and local rules. Everything runs in your browser.
Frequently asked questions
How is take-home pay calculated?
Take-home pay is your gross pay minus federal income tax, Social Security and Medicare (FICA), any state income tax, and pre- and post-tax deductions. The calculator walks the 2024 single-filer federal brackets against your taxable income, applies FICA, subtracts everything, and shows the net.
What is the take-home percentage?
It is your net (take-home) pay divided by your gross pay, shown as a percentage. A higher percentage means less of your pay is lost to taxes and deductions. It is a quick way to compare offers or understand how deductions change what you keep.
How is the hourly take-home figured?
It divides your annual net by the hours you work in a year: your weekly hours times 52. If you entered a salary instead of an hourly rate, it assumes a standard 2,080 hours (40 hours times 52 weeks) so you still get an hourly-equivalent number.
Is this estimate accurate for my situation?
It is a simplified single-filer estimate, not tax advice. Your real withholding depends on your W-4 allowances, benefits, local taxes, and filing status. Use it for planning and comparison, and check your pay stub or a tax professional for exact numbers.
