Take-Home Pay Calculator
Your offer letter says one number. Your bank account says another. This take-home pay calculator shows you what actually lands in your pocket after taxes and deductions.
Your Gross Salary Isn't Your Salary
Here's the thing nobody tells you until your first paycheck: gross salary and take-home pay are not the same number. Not even close. Federal taxes, state taxes, FICA, health insurance, maybe a 401(k) — all of it comes out before you see a dime. This calculator shows you what actually makes it through.
Why Take-Home Pay Varies So Much
Two people both making $70,000. One lives in Texas. The other in California. The Texas person takes home way more because — no state income tax. California charges up to 13.3%. Then add in filing status, 401(k) contributions, and insurance premiums. It adds up fast. That's why you can't just eyeball it. Run the actual numbers.
Frequently Asked Questions
Federal income tax. State income tax (unless you're in a no-tax state). Social Security at 6.2%. Medicare at 1.45%. Then maybe 401(k) and health insurance. Whatever survives all that? That's your take-home pay.
Most people keep about 70-80% of their gross pay. So on $60K, you're probably looking at $45K-$48K actually hitting your account. Depends a lot on your state and whether you're single or married filing jointly.
Yes. Enter your hourly rate and hours per week instead of an annual salary. The calculator figures out the rest.