Take-Home Pay Calculator
Free take-home pay calculator. Get instant results — no signup, no account. Plan and compare with confidence.
Use the Take-Home Pay Calculator below.
Calculate your take-home (net) pay after tax and deductions. Enter gross pay, filing status, and deductions. Free take-home pay calculator for USA and worldwide.
Cómo usar Take-Home Pay Calculator
Enter gross pay
Input gross salary or wage.
Enter deductions
Input tax status and pre-tax deductions.
View net pay
See take-home pay and breakdown.
Características
- Instant results — no waiting or signup.
- Free to use — no hidden fees.
- No login or account required.
- Works on all devices — desktop, tablet, and mobile.
- Your data stays private — we do not store your inputs.
Por qué usar esta calculadora
- Plan your finances with accurate estimates.
- Compare scenarios in seconds.
- Make informed decisions before you borrow or invest.
Navegadores y dispositivos compatibles
- All modern browsers (Chrome, Firefox, Safari, Edge).
- Mobile-friendly — use on phone or tablet.
- No app download — runs in your browser.
Preguntas frecuentes
Guía completa de Take-Home Pay Calculator
What is take-home pay?
Take-home pay (net pay) is the amount you receive after taxes and deductions are withheld from your gross salary. Deductions can include federal and state income tax, Social Security and Medicare (USA), health insurance, retirement contributions, and other voluntary deductions. This calculator gives an estimate based on a single effective tax rate and optional deductions.
Enter your gross annual salary, an estimated overall tax rate (you can use your marginal or effective rate from the prior year), and any annual deductions. The result is your estimated net annual income and monthly take-home pay. For more accurate results, use official tax tables or a detailed tax calculator for your country.
What affects take-home pay?
- Tax brackets and filing status: Single, married, head of household have different brackets.
- Pre-tax deductions: 401(k), HSA, and similar reduce taxable income.
- State and local taxes: These vary by location and can significantly affect net pay.
- Post-tax deductions: Union dues, charitable giving, etc. reduce take-home further.
Using take-home pay for budgeting
Budget and plan using take-home pay, not gross salary, so you do not overcommit. Use this calculator to see how a raise or a change in deductions affects your monthly cash flow. Pair it with our savings and EMI calculators to plan for goals and loans based on real disposable income.
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Aviso legal
Nuestras calculadoras financieras son solo informativas y educativas. Los resultados son estimaciones según los datos que introduces y fórmulas estándar. No son asesoramiento financiero, fiscal ni legal. No guardamos ni compartimos los números que introduces.