MoneyLifeCalc

All calculators / Retirement & tax

Paycheck calculator

Your privacy: everything you enter stays on your own device. It's saved in your browser so it's still here next time, and we never collect or see it.your numbers stay on this device. We never see them. Backups · Privacy policy

Estimate your take-home pay per paycheck after federal tax, Social Security, Medicare, state tax, 401(k), and health insurance.

How this calculator works

Your paycheck starts with gross pay, then subtracts pre-tax deductions like 401(k) contributions and health insurance premiums, federal income tax withholding, Social Security at 6.2% up to the yearly wage base, Medicare at 1.45% (plus 0.9% on wages over $200,000), and state income tax. The federal estimate uses the IRS tax brackets and standard deduction for the year you choose, spread evenly across your paychecks. Your actual withholding depends on your W-4, so compare this with a real pay stub.

Related calculators

Income tax estimateEstimate your federal income tax for the year you choose, with an optional flat state rate, compared with what you have had withheld.Monthly budgetList your bills line by line and compare your spending with the 50/30/20 guideline: needs, wants, and savings.Social Security claiming ageCompare claiming Social Security at every age from 62 to 70, with your monthly benefit, lifetime total, and break-even age.

Disclaimer: This calculator is for education only and is not tax, legal, or investment advice. Tax rules change often and depend on your full situation, so confirm with a CPA, enrolled agent, or licensed financial professional.

What calculator should we build next?

Tell us what you wish you could figure out. We read every idea and add new calculators regularly.