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.