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Paycheck Calculator — Gross to Net Pay Calculator

Calculate your exact take-home pay after federal taxes, state taxes, Social Security, and Medicare deductions. Enter your salary and filing status to see your net paycheck.

Quick answer: Take-home pay is gross wages minus federal income tax, payroll taxes, state taxes, benefits, and pre-tax contributions. Use it to estimate net pay per paycheck.

Estimated Net Take-Home Pay
$1,712
Estimated Net Take-Home Pay
$1,712
Gross Per Paycheck
$2,885
Federal Tax Per Paycheck
$635
FICA (Social Security + Medicare)
$221
Breakdown
$3,740total
Gross Per Paycheck$2,885
Federal Tax Per Paycheck$635
FICA (Social Security + Medicare)$221
Total$3,740
State Tax Per Paycheck
$144
401(k) Deduction Per Paycheck
$173
Diagnostic

To hit your goal, you need to plan around $1,712.

Lock this number into your Money Map and we'll track progress.

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What to do next

See where to put your monthly cash surplus

Your action plan
  1. 1

    Set the target and timeline for this plan

    Estimate your take-home pay after federal and state taxes.

  2. 2

    Check the assumptions before using the result for a high-stakes decision

    Assumptions change the answer, especially when rates, taxes, or timing matter.

  3. 3

    Save the result to Money Map or use the linked next action

    Turn the result into a prioritized action instead of treating it as a one-off number.

See where to put your monthly cash surplus

This is an educational estimate, not tax, legal, investment, or lending advice. Confirm with a qualified professional or the provider before acting.

Calculator action path

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Frequently Asked Questions

Everything you need to know.

How do I increase my take-home pay without a raise?
Maximize pre-tax deductions: 401(k) contributions reduce taxable income dollar-for-dollar. HSA contributions are triple-tax-advantaged. Dependent care FSA saves on childcare. Each dollar contributed pre-tax reduces your take-home by less than one dollar due to tax savings.
What is the difference between gross and net pay?
Gross pay is your salary before any deductions. Net pay (take-home) is what actually arrives in your bank account after federal taxes, state taxes, Social Security (6.2%), Medicare (1.45%), health insurance premiums, 401(k) contributions, and other deductions. The typical difference is 25–35%.
Is the Paycheck Calculator — Gross to Net Pay Calculator free to use?
Yes. SwitchWize calculators are free, and you do not need an account to run scenarios or view the result.
Does using the Paycheck Calculator — Gross to Net Pay Calculator affect my credit score?
No. Using a calculator does not trigger a credit check. A credit impact can occur only if you apply directly with a lender, card issuer, or provider.
Are the results personalized financial advice?
No. Calculator outputs are educational estimates based on the inputs you enter. Review assumptions and confirm terms directly with providers before making a financial decision.
What should I do after seeing the result?
Use the recommendation module on this page to see where to put your monthly cash surplus, or run Money Map to compare this banking & savings decision with your other opportunities.
How does SwitchWize choose related offers?
Related offers are matched by the calculator surface (general) and ranked using SwitchWize data such as rate, fees, trust signals, product fit, and switching friction. Paid relationships do not change organic ranking order.
How fresh are the rates and offers shown?
Rate and offer data is reviewed on a recurring cadence and every offer module shows review context or links to the methodology and disclosure pages.
Where can I see the ranking methodology?
The SwitchWize methodology page explains how rate freshness, editorial review, affiliate disclosure, and category ranking factors work.
Can Money Map use this result?
Yes. Money Map is the broader diagnostic path: it compares savings, mortgage, cards, and debt so you can see whether this calculator result is your highest-impact next move.

Why This Matters

Understanding your actual take-home pay is fundamental to budgeting. Your gross salary is a fiction — your net pay is your real income. This calculator shows the gap and helps you optimize deductions.

How to Use It

  1. 1Enter your gross annual salary or hourly rate
  2. 2Select pay frequency (weekly, biweekly, monthly)
  3. 3Enter filing status and state
  4. 4See your net take-home and tax breakdown
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See where to put your monthly cash surplus