Money & Salary
USA Salary Calculator
Estimate your take-home pay and paychecks over a full year. The federal rules mode is being verified; until then, use your own effective rates.
- Runs in your browser
- Federal rules: being verified
Tell us about your pay
Your take-home pay
Your take-home pops up here
Enter your pay and your effective rates, then hit Calculate take-home.
Your take-home pay per month
You changed something. Hit Calculate to refresh.
Custom rates mode: worked out with the rates you entered.
Paycheck table
| Paid | Take-home |
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An estimate, not tax advice. Your paycheck can differ: employers withhold using your W-4 and the IRS tables, and credits, local taxes and benefits change the amount.
How it’s calculated
Custom rates mode, worked out over a full year at full precision and rounded to cents only for display.
- Yearly pay
- Pay × 1 (year), 12 (month), 24 (semi-monthly), 26 (every 2 weeks), 52 (week) or hours per week × 52 (hour).
- Deduction order
- Pre-tax = yearly pay × pre-tax %. Federal tax = (yearly pay − pre-tax) × your federal rate. State tax = (yearly pay − pre-tax) × your state rate. After-tax deductions × their periods per year. Take-home = yearly pay − all of these, never below 0.
- Social Security and Medicare
- When included, they’re charged on gross pay (pre-tax 401(k) contributions don’t reduce them) at the combined employee rate from a verified data file. That file isn’t published yet, so they can’t be included today. Earlier versions charged them after pre-tax deductions, which understated them.
- Rates shown
- “Effective tax rate” is (federal + state + Social Security and Medicare) ÷ yearly pay. “All deductions” is everything taken off ÷ yearly pay.
- What this doesn’t include
- Federal brackets and the standard deduction (in this mode), tax credits, itemised deductions, local taxes, graduated state brackets and other income. This is an estimate, not tax advice.
Questions
Which tax year does it use?
None yet. The federal rules mode will apply a specific year’s brackets, standard deduction and Social Security and Medicare figures, and it will name that year and the date they were checked. It stays switched off until every figure has been checked against IRS and SSA publications and reviewed by a second person.
What does Custom rates mode do?
It applies the effective rates you enter. Your pre-tax percentage comes off first; your federal and state rates apply to the pay that’s left; after-tax deductions come off at the end. Social Security and Medicare, when included, are charged on your gross pay, because 401(k) contributions don’t reduce them.
Why can’t I include Social Security and Medicare yet?
Those amounts need the official rates for the year, and we only use figures after they’ve been checked and reviewed. Until a verified set is published here, the option stays off and the result says it isn’t included.
Why is my paycheck withholding different?
Employers withhold per paycheck using your W-4 settings and the IRS withholding tables, and credits, local taxes and benefits can change the amount. This calculator works over a full year with the rates you give it, so treat it as an estimate.