Free Take Home Pay Calculator

Know your real income. Calculate take-home pay after taxes, deductions, and contributions with 2026 tax rates.

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Features

  • Federal and state tax calculations
  • FICA (Social Security & Medicare) deductions
  • 401(k) and retirement contributions
  • Health insurance and benefits deductions
  • Monthly and annual breakdowns
  • Comparison with gross salary
  • Updated for 2026 tax brackets

How It Works

  1. 1Enter your annual gross salary or hourly rate
  2. 2Select your state for accurate tax calculations
  3. 3Choose filing status (single, married, head of household)
  4. 4Add pre-tax deductions (401k, HSA, etc.)
  5. 5Add post-tax deductions (Roth IRA, insurance, etc.)
  6. 6See your net take-home pay per paycheck and annually

Frequently Asked Questions

Gross pay is your total salary before any deductions. Net pay (take-home pay) is what you actually receive after federal taxes, state taxes, FICA, and other deductions. On average, take-home pay is about 70-75% of gross salary, but this varies significantly based on your tax bracket, state, and deductions.
Our calculator uses official 2026 federal tax brackets and state tax rates. However, it provides estimates and may not account for all personal tax situations (itemized deductions, tax credits, etc.). For precise tax planning, consult a tax professional. This tool is best for comparing job offers and budgeting.
Yes, we include state income tax for all 50 states (including states with no income tax). We do not currently include local city or county taxes, which exist in some jurisdictions. If you live in NYC, San Francisco, or other cities with local tax, manually reduce your take-home by the local rate.
Pre-tax deductions (401k, traditional IRA, HSA, health insurance) reduce your taxable income, which lowers your tax burden. This means you take home more per dollar contributed compared to post-tax contributions. For example, a $1,000/month 401k contribution might only reduce your take-home by $700-750 due to tax savings.
Absolutely! Compare net take-home pay, not just gross salary, especially when comparing offers in different states or cities. A $100k salary in Texas (no state tax) has significantly higher take-home than $100k in California (13.3% top rate). Also factor in cost of living differences.

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Created By

InterviewTips.AI Team

Interview Preparation Experts

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