Free tool

See what a salary actually pays

Turn a gross salary into an estimated take-home figure, monthly and per paycheck, with editable tax and deduction rates. An estimate, not tax advice.

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Your inputs

Updates as you type

Federal, state and local combined. Adjust to your situation.

This is arithmetic, not tax advice. The estimate ignores credits, pre-tax deductions, local rules and withholding elections. Use it for comparison, then confirm with a payroll or tax professional.

Estimated take-home

After tax, retirement and deductions
$0

per year

Monthly—
Per paycheck—
Take-home rate—
Gross annual—
Estimated tax—
Retirement contribution—
Other deductions—
Net annual—

About this tool

The calculator converts your gross pay to an annual figure, then subtracts the tax rate you choose, a retirement contribution and any fixed annual deductions. It shows the result per year, per month and per paycheck based on your pay frequency, plus the effective take-home rate.

Because tax rates vary by country, state, filing status and income, the default is a rough combined estimate rather than a jurisdiction-specific calculation. Edit the rate to match your situation; the arithmetic updates instantly.

Useful comparison: run the offer you have and the offer you are considering with the same tax rate. The difference in monthly take-home is usually the number that actually changes your life, not the gross figure in the letter.

Common questions

Does this include state and local taxes?

Only if you fold them into the single tax-rate field. The tool applies one combined rate by design, so it works across jurisdictions without pretending to know your filing details.

What about 401(k) matching?

Not included. A match is additional compensation from the employer and depends on vesting rules. Add it separately when you compare offers.

Why is my real paycheck different?

Withholding elections, pre-tax benefits, local taxes, wage garnishments and mid-year changes all shift the number. Use the estimate for planning and comparison, not for reconciling an actual payslip.