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.
How the Take-Home Pay Calculator Works
Take-home pay is what’s left of your gross salary once taxes and pre-tax deductions come out. Since exact withholding depends on your country, state, and filing status, this calculator has you supply your own effective tax rate and then does the arithmetic for you across yearly, monthly, and bi-weekly pay periods.
Formula: Taxable Income = Gross Salary − Pre-tax Deductions; Tax = Taxable Income × Tax Rate; Net Pay = Gross Salary − Pre-tax Deductions − Tax. Monthly take-home = Net Pay ÷ 12, and Bi-weekly take-home = Net Pay ÷ 26.
- Annual gross salary — your total pay before any taxes or deductions
- Tax & withholding rate — your estimated effective tax rate as a percentage, covering income tax and other withholding combined
- Pre-tax / yr (optional) — yearly amount deducted before tax is calculated, such as 401(k) contributions, HSA contributions, or pre-tax insurance premiums
Example Scenarios
| Gross Salary | Tax Rate | Pre-tax / yr | Annual Take-Home |
|---|---|---|---|
| $60,000 | 22% | $0 | $46,800 |
| $80,000 | 24% | $5,000 | $57,000 |
| $45,000 | 18% | $0 | $36,900 |
| $100,000 | 28% | $10,000 | $64,800 |
| $35,000 | 15% | $2,000 | $28,050 |
Take-Home Pay Calculator FAQ
What tax rate should I enter?
Use your best estimate of your combined effective tax rate — federal, state, and any local income tax plus payroll taxes — as a single percentage. Your most recent pay stub or last year’s tax return is a good source for a realistic number.What counts as a pre-tax deduction?
Common examples include traditional 401(k) or 403(b) contributions, HSA or FSA contributions, and employer-sponsored health insurance premiums deducted before tax. Enter the total yearly amount in the pre-tax field so it’s excluded from your taxable income in the calculation.Why does this calculator ask me to enter my own tax rate instead of calculating it?
Actual withholding depends on your country, state or province, filing status, and any tax credits, which this tool doesn’t model. Letting you enter your own effective rate keeps the estimate flexible and honest rather than implying false precision.How is bi-weekly take-home pay calculated from my annual figure?
The calculator divides your annual net pay by 26, since most bi-weekly payroll schedules issue 26 paychecks per year. If your employer pays semi-monthly (24 paychecks) instead, divide the annual figure by 24 yourself.Does this include Social Security and Medicare (FICA) taxes?
Only if you fold them into the single tax rate you enter. This calculator applies one combined rate to your taxable income rather than separating out income tax, Social Security, and Medicare individually.How can I find my actual effective tax rate?
Divide the total tax withheld shown on a recent pay stub by your gross pay for that period, or use total tax paid divided by total gross income from your last tax return. Either method gives a reasonable rate to plug into this calculator.Related Calculators
To dig deeper into your numbers, try the income tax calculator for a more detailed tax estimate, the paycheck calculator to break net pay down by pay period, or the tax refund estimator to see if you’re on track for a refund or a bill.