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Net Pay Calculator

Estimate your take-home pay from gross pay using rates you control. Because you enter the tax percentages yourself, it works for any country or state — copy the rates from a recent pay stub for the closest match.

Quick examples
$
$

Retirement contributions, health premiums.

%

Your effective rate — check a recent pay stub.

%

US Social Security + Medicare is 7.65%.

%
$
Your numbers stay in your browser. Nothing is uploaded.
Take-home pay$1,782.75
Total taxes
$567.25
Total deductions
$150.00
Share of gross you keep
71.31%
Take-home per year
$46,351.50
Where your gross pay goes
  • Take-home
  • Taxes
  • Deductions

Saved setups

Save a set of inputs you reuse — your usual rate, your loan, your room sizes — and load it back in one tap.

    Your recent calculations

    Results you calculate here are kept on this device so you can come back to them.

      Formula

      Taxable pay = gross pay − pre-tax deductions
      Taxes = taxable pay × (income tax % + state/local %) + gross pay × payroll tax %
      Net pay = gross pay − taxes − pre-tax deductions − after-tax deductions

      How to use it

      1. Enter gross pay for one pay period.
      2. Enter pre-tax deductions such as retirement contributions and health premiums.
      3. Enter your effective income tax, payroll tax and state or local tax percentages.
      4. Add any after-tax deductions, then read your take-home pay.

      Worked examples

      $2,500 gross with $150 pre-tax, 12% income tax, 7.65% payroll and 4% state tax

      Total taxes
      $567.25
      Total deductions
      $150.00
      Take-home pay
      $1,782.75
      Share of gross you keep
      71.31%

      $1,000 weekly with a flat 20% income tax and nothing else

      Take-home pay
      $800.00
      Take-home per year
      $41,600.00

      Finding your effective rates

      On a pay stub, divide each tax withheld by your gross pay for the period. If $300 of federal income tax was withheld from $2,500, your effective federal rate is 12%. Effective rates are lower than your top tax bracket because only part of your income is taxed at the top rate.

      This is an estimate

      Real payroll uses withholding tables, wage caps and allowances that vary by jurisdiction and change every year. This calculator applies flat percentages, so treat the result as a planning figure rather than a statement of what you are owed.

      Questions people ask

      What percentage of my paycheck goes to taxes?

      For many US workers the total is between 15% and 30% of gross pay once federal income tax, Social Security and Medicare (7.65%) and state tax are added together. The “share you keep” result shows your own figure.

      Why are payroll taxes applied to gross pay?

      In the US, Social Security and Medicare are charged on wages before traditional retirement contributions are taken out, while income tax is charged after. This calculator follows that order.

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