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Estimate US take-home pay with federal, FICA, state tax & 401(k).
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Among ToolsMonk's calculators, Paycheck Calculator covers a single everyday need: estimate us take-home pay with federal, fica, state tax & 401(k). Open the page and start working, with no download or sign-up standing between you and the result.
This tool is especially useful for workflows such as working out what a job offer actually pays after tax before you accept it, seeing how much a 401(k) contribution really costs you in take-home terms, and checking whether a raise moves you into a higher bracket and by how much. Because it runs directly in your browser, you can use it on desktop, tablet, or mobile while keeping the process fast and easy for one-off tasks as well as repeat work.
Paycheck Calculator is designed for people who want a practical, privacy-friendly workflow with instant results inside the larger ToolsMonk library.
| Price | Free, no signup, no paywall, no watermark |
|---|---|
| Works on | Any modern browser: desktop, tablet, and mobile |
| Processing | In your browser, files never leave your device |
| Account required | None |
| Category | Calculators |
Enter your gross pay and choose your pay frequency and filing status
Add your state's income tax rate, and any pre-tax deductions such as a 401(k) contribution
Read the breakdown: federal tax, Social Security, Medicare, state tax and net pay
Adjust the 401(k) percentage to see the trade between retirement saving and take-home pay
Estimates US take-home pay from gross salary or hourly wage
Federal income tax using the 2024 progressive brackets and standard deduction
FICA in full: Social Security up to the wage base, Medicare, and Additional Medicare above the threshold
Pre-tax 401(k) and other deductions reduce taxable income the way they really do
Per-paycheck breakdown for weekly, biweekly, semimonthly and monthly schedules
Runs in your browser: your salary is never uploaded, and free with no signup
Working out what a job offer actually pays after tax before you accept it
Seeing how much a 401(k) contribution really costs you in take-home terms
Checking whether a raise moves you into a higher bracket and by how much
Comparing two offers in different states on a like-for-like net basis
Paycheck Calculator was built so that anyone, professional or first-time visitor, gets what the page promises (estimate us take-home pay with federal, fica, state tax & 401(k)) in seconds. Results are instant and accurate, and nothing needs to be installed or signed up for along the way.
All processing runs locally in your browser, so your files and data never leave your device. The interface adapts to any modern browser and screen size, so the Calculators workflow you rely on at a desk is the same one you get on a tablet or phone.
The Paycheck Calculator estimates United States take-home pay from a gross salary or hourly wage. It applies the 2024 federal progressive brackets and standard deduction, the full FICA set including the Additional Medicare surcharge, a flat state rate, and any pre-tax deductions you enter, then shows the result per paycheck on your actual pay schedule.
The most useful thing it makes visible is the difference between your marginal rate and your effective rate. Progressive tax is marginal: crossing into the 24 percent bracket taxes only the income above that threshold, not the whole salary. That is why a raise can never reduce take-home pay, a belief that persists because the brackets are usually explained badly. Your effective rate, the share of your gross that actually goes in tax, is always lower than your top bracket.
The second is what a pre-tax 401(k) really costs. A traditional contribution comes out before income tax, so at a 22 percent marginal rate a 200 contribution reduces your paycheck by roughly 156. It does not, however, reduce FICA: Social Security and Medicare are charged on the full amount either way. Adjusting the contribution percentage and watching net pay move is the fastest way to find a rate you can live with.
It is worth being precise about the state approximation, because it is the largest source of difference between this estimate and a real stub. State tax is modelled as one flat rate. For the states with no income tax that is exact. For states with a genuinely flat rate it is close to exact. For states running their own progressive brackets, or with city and county taxes layered on, it is an approximation that will be roughly right rather than precise.
Other reasons your real paycheck will differ: your W-4 settings, health insurance, HSA and FSA contributions, union dues, garnishments, and post-tax deductions, none of which are modelled. Bonuses are commonly withheld at a flat supplemental rate rather than your marginal one. And withholding is only an estimate of your eventual tax bill; the reconciliation happens when you file.
This is an estimate, not tax advice, and everything runs in your browser so your salary never leaves your device. It is built for comparing offers and planning contributions. For filing, or any decision with real money resting on the exact number, use your pay stub, the IRS withholding estimator, or a tax professional.
Compare offers on net pay in the state you would live in, a higher gross in a high-tax state can lose to a lower gross elsewhere
Read your effective rate rather than your marginal rate when you want to know what you actually pay
A pre-tax 401(k) costs less take-home than it adds to the account, but it does not reduce FICA
Check the result against a real pay stub once, the gap is usually your W-4 or a deduction this does not model
Common questions about this tool, its workflow, and what to expect before you use it.
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Estimate US take-home pay with federal, FICA, state tax & 401(k).
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