Net Pay Calculator
Calculate your take-home pay after taxes and deductions.
Enter your gross pay, tax rate, and deductions to see what you'll actually receive.
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Net Pay
Net Pay is what you actually take home after all taxes and deductions are subtracted from your gross pay.
Net Pay = Gross Pay - (Gross Pay × Tax Rate) - Other Deductions
Key terms:
- Gross Pay — your total earnings before any deductions
- Tax Rate — combined federal, state, and local tax percentage (simplified)
- Deductions — retirement contributions, health insurance, etc.
Typical combined tax rates (US):
- Low bracket: 15–22%
- Middle bracket: 22–32%
- Higher bracket: 32–40%+
This is a simplified estimate. Your actual withholding depends on filing status, allowances, and pre-tax vs post-tax deductions.