Take-Home Pay Calculator 2025-2026
Calculate your actual paycheck amount after all taxes and deductions.
Our free take-home pay calculator helps you calculate your net pay after all tax deductions for 2025-2026. This net pay calculator estimates your actual paycheck amount by deducting federal tax, state tax, Social Security, and Medicare from your gross salary. Use this take home pay calculator to understand how much money you'll actually receive in your bank account after taxes.
Net Pay = Gross Pay − Federal Tax − State Tax − Social Security − Medicare
How the Take-Home Pay Calculator Works
The take-home pay calculator calculates your net pay by subtracting all applicable taxes and deductions from your gross salary. It includes federal income tax (based on 2025-2026 tax brackets), state income tax (if applicable), Social Security tax (6.2% on wages up to $176,100), and Medicare tax (1.45% on all wages, plus 0.9% for high earners). The calculator also accounts for optional deductions like 401(k) contributions, health insurance, and other pre-tax benefits to give you an accurate estimate of your take home pay.