Take-Home Pay Calculator

See your actual paycheck after federal tax, state tax, FICA, 401(k), and HSA deductions.

Step 1

Salary & Pay Period

$
Step 2

Tax & Withholding

Simplified flat-rate estimate for each state.

Step 3

Pre-Tax Deductions (Optional)

% of salary

2024 limit: $23,000 (age <50).

$

2024 limit: $4,150 single / $8,300 family.

📋 Paycheck Breakdown
Gross Per Paycheck
Annual Gross
Effective Tax Rate
(Federal + State) / Gross
Per-Paycheck Deductions
ItemPer Paycheck
Federal Income Tax
State Income Tax
Social Security (6.2%)
Medicare (1.45%)
401(k) Contribution
HSA Contribution
Take-Home Pay
Annual take-home:
Annual Gross Breakdown

Uses 2024 federal brackets with standard deduction. State tax is a simplified flat-rate estimate. Does not include local taxes, pre-tax health insurance, or employer-side FICA.