How to calculate your take-home pay in 3 easy steps
- 1
Enter your annual salary
Type your gross salary for the year — the amount on your offer letter or W-2 box 1 before deductions.
- 2
Pick filing status and state
Choose single, married filing jointly, or head of household, then select your state so state income tax is included.
- 3
Read your net income breakdown
The calculator shows federal, FICA, and state taxes plus your annual, monthly, biweekly, weekly, and hourly take-home pay.
Why use the take-home pay calculator tool from Super Utility Hub?
Use the take-home pay calculator to find out exactly how much of your salary actually lands in your bank account. Gross pay can look impressive on an offer letter, but federal income tax, Social Security, Medicare (FICA), and your state's income tax all take a share before payday.
The calculator applies the current US federal income tax brackets, the standard deduction, the Social Security wage cap, and each state's income tax rules to produce a realistic net paycheck. Pick your filing status and state, enter your annual salary, and the tool breaks down every deduction for you.
Everything runs instantly in your browser — no uploads, no sign-up, and no personal data is stored anywhere. The figures are for planning purposes; your actual paycheck can vary with pre-tax benefits, 401(k) contributions, and local taxes.
- Processes everything in your browser — no upload servers involved
- Free forever with unlimited uses
- Works on Windows, macOS, Linux, Android and iOS
- No watermark or branding on your output, ever
Frequently asked questions
Does the calculator include Medicare and Social Security?
Yes. FICA (Social Security at 6.2% up to the wage cap, plus Medicare at 1.45%) is subtracted automatically, exactly like a real W-2 paycheck.
Why is my real paycheck different from this estimate?
Health insurance premiums, 401(k)/403(b) contributions, HSA/FSA deductions, child support, and local taxes can lower take-home pay. Use the optional pre-tax deduction field to get closer.
Is state tax included for every state?
Yes. The tool covers all 50 states plus DC, including the nine states with no state income tax, where state withholding is zero.
Are the federal tax brackets up to date?
The calculator uses the latest published IRS federal brackets and standard deduction. Rates and caps can change yearly, so expect small differences after a new tax year begins.