Paycheck Calculator
See exactly where every dollar goes — taxes, deductions, retirement, and what actually lands in your account.
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Why your paycheck looks smaller than your salary
Gross pay is what you earn. Take-home (net) pay is what lands in your account. The gap is federal tax, state tax, FICA (Social Security + Medicare, 7.65%), and anything you opt into — health insurance, 401(k), HSA. Pre-tax deductions like 401(k) and HSA lower the income that gets taxed, so they sting your paycheck less than the dollar amount suggests.
Pay setup
Tell us how you're paid and the hours on this pay period.
Tax withholding
Federal status + state, plus any allowances or extra withholding from your W-4.
Pre-tax & insurance deductions
What comes out of each check before it hits your bank.
Take-home pay
The number that actually lands in your account.
Disclaimer: This is an estimator using 2024 federal brackets and approximate top-marginal state income tax rates. Actual withholding depends on your full W-4, local taxes, voluntary deductions, and your employer's payroll system. Use this to plan — not to file.