Net Pay Calculator
Start from the gross figure on your stub and watch each deduction come off — federal tax, Social Security, Medicare, state tax, retirement and health premiums — until only your real take-home is left.
Gross Pay and Deductions
Estimate using 2026 brackets and the standard deduction. Local city taxes are not included.
Where the Money Goes
Deduction order matters. Pre-tax items — traditional 401(k), HSA, most health premiums — come off before income tax is figured, so they cost you less than their face value. FICA, on the other hand, is calculated on gross wages, which is why take-home rarely falls below about 70% however you tune your contributions.
Working out the gross side first? Use the gross pay calculator. To see the after-tax value of extra hours, try the overtime tax calculator, or read the net pay deductions guide.
Net Pay FAQ
Calculate Overtime by State
Select your state for accurate 2026 overtime calculations