Gross pay
Gross pay is your income before federal income tax, Social Security, Medicare, state taxes, and deductions.
2026 TAKE-HOME PAY CALCULATOR
Calculate your take-home pay.
Estimate your salary after federal taxes, Social Security, Medicare, state taxes, and payroll deductions.
Take-home pay calculator
Enter your income and payroll details to estimate your net pay.
Income
Your gross annual salary before taxes and deductions.
Pre-tax deductions
Annual amount
Annual amount
Annual amount
Annual amount
Post-tax deductions
Annual amount
Annual amount
Annual amount
Annual amount
Estimated biweekly take-home pay
$0.00
Estimated after taxes and deductions.
$0
Take-home
Take-home
$0.00
Federal tax
$0.00
FICA
$0.00
State tax
$0.00
Deductions
$0.00
Gross pay
$0.00
Federal tax
$0.00
Social Security
$0.00
Medicare
$0.00
State tax
$0.00
Total taxes
$0.00
Take-home pay by period
Weekly
$0.00
Biweekly
$0.00
Semimonthly
$0.00
Monthly
$0.00
TAKE-HOME PAY
What is take-home pay?
Take-home pay is the amount of money left from your gross earnings after estimated taxes and payroll deductions are removed.
Federal income tax
Federal income tax is estimated using your filing status, taxable income, deductions, and applicable 2026 federal tax rules.
FICA taxes
FICA includes Social Security and Medicare taxes that are generally withheld from employee wages.
Payroll deductions
Benefits, retirement contributions, loan repayments, garnishments, and other payroll deductions can change your final take-home pay.
HOW IT WORKS
How take-home pay is calculated
Your estimated net pay starts with gross income and subtracts applicable taxes and deductions.
1. Start with gross income
Enter your annual salary or gross annual earnings before taxes and deductions.
2. Select your pay schedule
Choose weekly, biweekly, semimonthly, monthly, quarterly, semiannual, or annual pay.
3. Estimate payroll taxes
Federal income tax, Social Security, Medicare, and applicable state taxes are estimated from the information provided.
4. Subtract deductions
Pre-tax and post-tax payroll deductions are included to estimate the amount you actually take home.
SALARY EXAMPLES
Salary after taxes examples
Your actual take-home pay depends on your state, filing status, deductions, and other payroll details.
| Annual salary | Gross monthly pay |
|---|---|
| $40,000 | $3,333.33 |
| $50,000 | $4,166.67 |
| $60,000 | $5,000.00 |
| $75,000 | $6,250.00 |
| $100,000 | $8,333.33 |
| $120,000 | $10,000.00 |
GROSS VS NET
Gross pay vs. take-home pay
Your salary is not the same as the amount that reaches your bank account.
Gross pay
Gross pay is the total amount you earn before payroll taxes and deductions.
Net pay
Net pay is the amount remaining after taxes and deductions. It is commonly called take-home pay.
Why the difference matters
Comparing salaries using gross income alone can be misleading because taxes and deductions vary between workers.
Your paycheck may vary
Actual withholding can change because of Form W-4 elections, benefits, local taxes, year-to-date wages, and employer payroll rules.
FAQ
Take-home pay calculator FAQ
What is take-home pay?
Take-home pay is the amount you receive after estimated federal income tax, Social Security, Medicare, state taxes, and payroll deductions are subtracted from gross pay.
How is take-home pay calculated?
Take-home pay starts with gross income. Estimated federal tax, Social Security, Medicare, applicable state taxes, and payroll deductions are then subtracted.
How much is $75,000 after taxes?
The take-home amount from a $75,000 salary depends on your filing status, state, dependents, pay frequency, and deductions. Use the calculator above for a personalized estimate.
What is the difference between gross pay and take-home pay?
Gross pay is your earnings before taxes and deductions. Take-home pay, also called net pay, is what remains after estimated taxes and deductions.
Does pay frequency affect take-home pay?
Pay frequency changes the amount and timing of individual paychecks. Your annual salary generally represents the same yearly gross income, although withholding calculations can vary by pay schedule.
METHODOLOGY
About this calculator
PaycheckMint uses centralized 2026 tax rules and calculation logic to estimate take-home pay.
The calculator estimates federal income tax, Social Security, Medicare, applicable state tax, and user-entered payroll deductions. The result is intended for planning and educational purposes. Actual payroll withholding can differ based on Form W-4 elections, employer payroll systems, state and local taxes, year-to-date wages, benefits, credits, and other circumstances.
Important:
This calculator provides an estimate and is not tax, payroll, legal, or financial advice.
For official federal withholding information, refer to current IRS publications and your
employer's payroll documentation.