Finance

Gross to Net Pay Calculator

Estimate your take-home pay after federal, state, and payroll tax deductions.

Gross Annual Salary ($)

Pay Frequency

Federal Tax Rate (%)

State Tax Rate (%)

401(k) Contribution (%)

Other Deductions ($/pay period)

Health insurance, etc.

Deductions:
Social Security: 6.2% (up to $168,600)
Medicare: 1.45% (+ 0.9% over $200k)
Net = Gross − Federal − State − FICA − 401k − Other

Understanding Your Paycheck

Your take-home pay is significantly less than your gross salary due to mandatory payroll taxes (FICA), income taxes, and voluntary deductions like retirement contributions and health insurance.