Paycheck Calculator: True Take Home Pay

Understanding your salary is one thing, but knowing your actual take-home pay is another. Taxes, deductions, and state-specific withholdings can significantly impact the amount that lands in your bank account. This calculator now supports 401k, HSA/FSA, Medical Insurance, and detailed withholding options for maximum accuracy. Use this tool to calculate your true net pay and plan your budget with confidence.

Current Data: Using official 2025 Federal Tax Tables and Standard Deductions. We will update to 2026 data when available.

Section A: Income & Location

Gross Pay

$

Pay Frequency

Filing Status

State

Tax Year: 2025

Estimated Effective State Tax Rate

%

Adjust based on your state's income tax brackets.

Section B: Benefits & Deductions

Group 1: Pre-Tax Benefits

Reduces Federal, State, and FICA taxes

Medical Insurance

$

Dental/Vision

$

HSA/FSA Contributions

$

Traditional 401k/403b

Reduces Federal & State taxes (not FICA)

%

Group 2: Post-Tax & Withholding

Reduces net pay only

Roth 401k

%

Extra Withholding

$

Garnishments/Other

$

Section C: Paycheck Breakdown

Enter your salary information to see your take-home pay breakdown

This calculator is essential for anyone planning a move to a new state or considering a new job offer. By comparing state tax liabilities—for example, moving from California to Texas—you can see exactly how your disposable income will change. Always consult with a tax professional for exact filing numbers.