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.
Net pay — commonly called “take-home pay” — is what remains after all required and voluntary deductions are subtracted from your gross pay. Understanding this calculation helps you budget accurately and evaluate job offers in real terms.
The formula: Net Pay = Gross Pay − Federal Tax − State Tax − FICA − Other Deductions
Breaking down each deduction:
Federal income tax is calculated using marginal tax brackets. For 2024 (single filer):
- 10% on income up to $11,600
- 12% on $11,601–$47,150
- 22% on $47,151–$100,525
- 24% on $100,526–$191,950 (and higher brackets above)
FICA taxes (flat rates):
- Social Security: 6.2% of gross pay (up to $168,600 annual wage base in 2024)
- Medicare: 1.45% of all gross pay (no cap)
- Total FICA: 7.65%
Worked example (single, no state tax, biweekly pay): Annual salary: $65,000 → Biweekly gross = $65,000 / 26 = $2,500
- Federal tax (estimated): ~$310
- Social Security: $2,500 × 6.2% = $155
- Medicare: $2,500 × 1.45% = $36.25
- Health insurance premium: $120
- 401(k) contribution (5%): $125
- Net Pay = $2,500 − $310 − $155 − $36.25 − $120 − $125 = ~$1,754
Key insight: A $65,000 salary is roughly $1,754 every two weeks, or about $3,508/month — not $5,416. State income taxes (0–13.3% depending on state) reduce this further. Always plan a budget from net pay, never gross.
How we build and check this calculator
This calculator runs entirely in your browser, so the numbers you enter stay on your device. The math behind it is written by hand and tested against worked examples and standard references before the page goes live.
SuperGlobalCalculator is independently built and maintained. See how we build and verify our calculators.