Take-Home Pay Calculator

Take-home pay is gross wages minus taxes and other deductions. Here, after-tax income reflects estimated federal income tax and FICA; it does not subtract state tax, 401(k), or health premiums unless you model them elsewhere.

Pre-tax benefits (401k, HSA, FSA) reduce taxable wages. Adjusting W-4 withholding changes refund size, not true tax liability. Raising pre-tax deferrals usually lowers current take-home but defers tax.

Paychecks use withholding tables, bonuses, pre-tax deductions, and state taxes. This calculator uses simplified annual federal rules; use it for ballpark planning and reconcile with your pay stub.