Paycheck Calculator
Estimate your take-home pay after federal and state taxes, Social Security, and Medicare.
Paycheck Calculator
Estimate take-home pay. Actual results may vary by location, employer, payroll setup, and benefits.
Gross pay before taxes and deductions.
Pay frequency changes paycheck size and budgeting rhythm.
Estimated percentage of taxable pay.
Optional estimate where applicable.
Optional payroll-style tax estimate.
Pre-tax deductions may reduce taxable income.
Post-tax deductions are taken after taxes are calculated.
Estimated take-home pay
Estimated biweekly net pay based on your inputs.
Gross pay per paycheck
Before taxes and deductions.
Total deductions
Taxes plus pre-tax and post-tax deductions.
Estimated taxes
Income, state/local, and payroll estimates.
Pre-tax deductions
May reduce taxable income.
Post-tax deductions
Taken after estimated taxes.
Annual gross pay
26 pay period(s) per year.
Annual take-home pay
Estimated net pay × pay periods.
Effective deduction rate
Deductions ÷ gross pay.
Overtime pay
Included for hourly mode.
Payroll-focused
Separate gross pay, taxes, pre-tax deductions, post-tax deductions, and net pay.
Estimate, not exact
Actual results may vary by location, payroll setup, benefits, and withholding elections.
Budgeting support
Compare paycheck size across weekly, biweekly, semi-monthly, and monthly pay.
Dynamic Paycheck Insights
What Paycheck Calculation Means
Estimate take-home pay
Paycheck calculation estimates what you receive after deductions.
Gross is reduced
Taxes, benefit deductions, and other withholdings reduce gross pay.
Frequency matters
Pay frequency changes paycheck size, not necessarily annual pay.
Payroll varies
Actual payroll may differ based on employer setup and jurisdiction.
Gross Pay vs Net Pay
Gross pay
Gross pay is earnings before taxes, benefits, retirement contributions, insurance, and other deductions.
Net pay
Net pay is estimated take-home pay after deductions. It is usually the amount that appears in your bank account.
Pay Frequency and Pay Periods
Weekly
52 paychecks per year.
Biweekly
26 paychecks per year.
Semi-monthly
24 paychecks per year.
Monthly
12 paychecks per year.
Taxes, Deductions, and Withholdings
Income tax withholding
Estimated income tax may reduce each paycheck.
Payroll taxes
Payroll-style taxes may apply depending on location and system.
State/local taxes
Some places have additional tax withholding.
Retirement
Retirement contributions may be pre-tax or post-tax depending on plan rules.
Health insurance
Insurance deductions may reduce take-home pay.
Other deductions
Other benefits, repayments, or withholdings may apply.
Pre-Tax vs Post-Tax Deductions
Pre-tax deductions
Pre-tax deductions may reduce taxable wages depending on plan type and location. Examples may include certain retirement or insurance deductions.
Post-tax deductions
Post-tax deductions are taken after taxes are calculated. Examples may include certain benefits, repayments, or voluntary deductions.
Paycheck Formula
Gross Pay Per Period = Annual Salary ÷ Pay Periods Per Year
Hourly Gross Pay = Hourly Rate × Hours Worked
Overtime Pay = Overtime Hours × Hourly Rate × Overtime Multiplier
Total Deductions = Taxes + Pre-Tax Deductions + Post-Tax Deductions
Net Pay = Gross Pay − Total Deductions
Effective Deduction Rate = Total Deductions ÷ Gross Pay × 100