Take-Home Pay Calculator
Your take-home pay (also called net pay or bring-home pay) is what lands in your bank account after taxes and deductions. This calculator estimates it instantly for any state, salary, or hourly wage.
Paycheck Breakdown
- Gross Pay$2,884.62
- Federal Income Tax−$295.00
- California State Tax−$113.11
- Social Security (6.2%)−$89.42
- Medicare (1.45%)−$20.91
- SDI−$31.73
- Net Pay$2,334.44
What Is Take-Home Pay?
Take-home pay — also called net pay or bring-home pay — is the amount that actually lands in your bank account after every deduction comes out of your paycheck. It is different from your gross pay, which is your salary or hourly wage before any taxes are withheld.
How to Calculate Your Take-Home Pay
Enter your gross salary or hourly rate, choose your state and filing status, and this calculator instantly estimates your take-home pay. It accounts for federal income tax, state income tax (where applicable), Social Security (6.2%), Medicare (1.45%), and any pre-tax deductions like 401(k) or health insurance you enter.
What Gets Deducted From Your Paycheck
Most paychecks in the US have four main deductions: federal income tax (based on IRS brackets and your W-4), state income tax (which varies — nine states have none: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming), Social Security, and Medicare. Pre-tax benefits like retirement contributions or health insurance premiums further lower your taxable income before these are applied.
Take-Home Pay by State
Your take-home pay depends heavily on which state you work in. States with no income tax keep more in your pocket; states with progressive brackets (like California or New York) take a larger share at higher incomes. See dedicated calculators for:
Take home pay calculator by state
State-specific tax rates for 2026. Browse all 50 state calculators →
Take-Home Pay Calculator FAQ
What is take-home pay?
Take-home pay (also called net pay or bring-home pay) is the amount left from your paycheck after federal tax, state tax, Social Security, Medicare, and any other deductions are subtracted from your gross pay.
How do I estimate my take-home pay?
Enter your gross salary or hourly rate, select your state and filing status, and the calculator instantly estimates your take-home pay using current federal and state tax brackets, plus FICA (Social Security and Medicare).
Why is my take-home pay lower than my salary?
Your salary or gross pay is the amount before deductions. Federal income tax, state income tax (in most states), Social Security (6.2%), and Medicare (1.45%) are subtracted to arrive at your take-home pay.