How is take-home pay calculated?

Take-home pay is gross income minus taxes (federal, state, FICA) and any pre-tax deductions like 401(k) contributions and health insurance premiums.

Take-Home Pay Calculator

Estimate annual and monthly take-home pay after taxes, 401k contributions, and health insurance.

This tool runs in your browser. None of your data is saved or sold.

Gross annual salary ($)

Federal tax rate (%)

State tax rate (%)

401k contribution (%)

Health insurance ($/month)

Other annual deductions ($)

About This Calculator

Your gross salary and your take-home pay are very different numbers. This calculator subtracts federal and state taxes, FICA (Social Security and Medicare), 401k contributions, and health insurance to estimate what actually lands in your bank account each month and year.

Estimates only — not financial, tax, legal, or investment advice. Verify important results with a qualified professional before making decisions.

annual take-home = gross − 401k − (gross − 401k) × (fed + state) − gross × FICA − health insurance − other deductions; monthly take-home = annual take-home ÷ 12; total deductions = 401k + taxes + health insurance + other deductions