FINANCE / NET PAY
Take-Home Salary Calculator
Compare gross salary or hourly pay with modeled withholding, deductions, net paycheck, monthly net, and annual take-home pay.
Set take-home inputs
Choose salary or hourly mode; deductions are per paycheck.
Net pay
Your take-home estimate will appear here
Choose a pay mode, enter compensation and deductions, then calculate.
What this take-home estimate includes
The script annualizes salary or hourly pay, subtracts pre-tax deductions, applies a simplified federal rate, Social Security, Medicare, and your state rate, then subtracts post-tax deductions.
Per-paycheck deductions
Pre-tax and post-tax deductions are entered for each paycheck and multiplied by the selected number of periods in the annual view.
Model boundaries
The model does not implement live tax tables, Social Security wage caps, Additional Medicare Tax, local taxes, W-4 details, or employer-specific benefits.
Frequently Asked Questions
Can I use annual salary or hourly pay?
Yes. Choose annual salary or hourly pay. Hourly mode annualizes hourly rate × hours per week × 52.
What does pay frequency change?
Pay frequency changes the estimated net pay per paycheck and the annual number of pay periods used for per-period deductions.
Which taxes are modeled?
The simplified model applies an approximate federal rate by income and filing status, Social Security, Medicare, and the state tax rate you enter.
How are deductions handled?
Pre-tax and post-tax deductions are entered per paycheck. Pre-tax deductions reduce modeled taxable income; both deduction types reduce net annual pay.
Is this a payroll or tax filing result?
No. It is a planning estimate and does not model every tax year, state, local tax, wage cap, benefit, tax code, or payroll rule.