Income

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Take-Home Pay Calculator

Calculate your net pay after taxes and deductions. See what actually hits your bank account.

Quick Answer

Your take-home pay is what's left after federal tax, state tax, Social Security, Medicare, and deductions. Know your actual spendable income before committing to expenses.

Results update automatically as you type

Income & Deductions

Annual Salary

Pay Frequency

Weekly (52/year)

Bi-weekly (26/year)

Monthly (12/year)

Federal Tax Rate

State Tax Rate

Social Security

Medicare

401(k) Contribution

Health Insurance/Month

Annual Take-Home

$52,950

52.9% of gross

Monthly Take-Home

$4,413

After all deductions

Per Paycheck

$2,037

From $3,846 gross

Effective Tax Rate

34.6%

Total taxes only

Deductions Breakdown

Federal Tax (22%)$22,000

State Tax (5%)$5,000

Social Security (6.2%)$6,200

Medicare (1.45%)$1,450

401(k) Contribution (10%)$10,000

Health Insurance ($200/mo)$2,400

Total Deductions$47,050

Pro Tips

•Run multiple scenarios with different values to understand your options
•Bookmark or share your results to reference later
•Check the FAQ section below for answers to common questions

Common Mistakes

•Not accounting for inflation over long time periods
•Forgetting to include all relevant fees and costs
•Using estimates when actual numbers are available

What's Next?

Income Guide

Learn more about income strategies

Related Calculators

Explore more tools for your financial planning

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Sources & Accuracy

Last updated: January 10, 2025

Reviewed by: CalcGrid Editorial Team

Data Sources:

IRS Tax Brackets(2025)

Learn more about how we calculate and our editorial standards.

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