See what’s left of your salary after tax. This free take-home pay calculator turns your gross annual salary into net pay — yearly, monthly and bi-weekly — after tax and pre-tax deductions.
Estimate only. You supply the effective tax rate, since exact withholding depends on your country, state and filing status.
Use this free take-home pay calculator to see what’s left of your salary after tax and deductions. Enter your annual salary and tax rate to find your yearly, monthly and bi-weekly take-home pay.
A take-home pay calculator turns your gross salary into net pay — the money you actually keep after tax and deductions. Enter your annual salary, effective tax rate and any pre-tax deductions, and it returns your annual, monthly and bi-weekly take-home pay plus your take-home rate.
Important: exact withholding depends on your country, state and filing status, so this calculator uses an effective tax rate you enter. Find yours by dividing the total deductions on a payslip by your gross pay.
Gross salary is the headline figure in your job offer. Take-home pay is what lands in your account after income tax, payroll taxes and any pre-tax deductions. On a $60,000 salary at a 22% effective rate, take-home is around $46,800 a year, or about $3,900 a month.
Take-home = Salary − Pre-tax deductions − (Taxable × Tax rate)
Pre-tax deductions come out first and lower your taxable income, so they reduce both your tax and your take-home. The remainder is your net pay.
| Term | What it means |
|---|---|
| Gross salary | Your total pay before any deductions. |
| Take-home (net) pay | What you keep after tax and deductions. |
| Pre-tax deductions | Amounts removed before tax, like 401(k) or health premiums. |
| Effective tax rate | Your average overall rate of tax and withholding. |
Subtract pre-tax deductions from your gross salary, then subtract taxes on what remains: Take-home = Salary − Pre-tax deductions − (Taxable × tax rate). On $60,000 at a 22% rate, take-home is about $46,800 a year.
Gross pay is your salary before deductions. Take-home (net) pay is what actually reaches your account after income tax, payroll taxes and pre-tax deductions.
Exact withholding varies by country, state, filing status and benefits, so no universal formula exists. Entering your effective rate — total deductions divided by gross pay from a payslip — keeps the estimate accurate for you.
They use the same math. This take-home pay calculator starts from an annual salary and shows yearly, monthly and bi-weekly net pay, while a paycheck calculator usually starts from your pay per period.
No — they reduce your take-home pay, but by less than their full amount, because they also lower the income that's taxed. They're often worthwhile for the tax savings and benefits.
Yes, this take-home pay calculator is completely free, needs no sign-up, and gives instant results directly in your browser.