FREE TOOL
Paycheck / Take Home Calculator
Gross pay is not what lands in your account. Estimate your real take home after taxes and deductions, the number your budget actually runs on.
Paycheck / Take Home Calculator
Estimate what actually lands in your account.
Where your paycheck goes
Between your gross salary and your take home, several things come out: federal and often state income tax, Social Security and Medicare (FICA), and any deductions you have chosen, like health insurance premiums and 401(k) contributions. The result, your net pay, is what you actually budget with.
Before tax moves that grow net worth
Some deductions are wealth building in disguise. Contributing to a traditional 401(k) lowers your taxable income today while investing for tomorrow, and before tax health accounts (an HSA or FSA) do the same for medical costs. These choices that shrink your paycheck often leave you wealthier, because they shift money from taxes into your own future, and capturing your full employer match is the highest return version.
For educational estimates only. Tax situations vary, so consult a tax professional for your specifics. Not personalized financial advice.