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Take-Home Pay Calculator
Your Take-Home Pay
$0.00
Annual: $0.00 · Monthly: $0.00
Your paycheck breakdown
Gross Pay$0
Pre-Tax Deductions$0
Federal Income Tax$0
Social Security (6.2%)$0
Medicare (1.45%)$0
State Income Tax$0
Post-Tax Deductions$0
💚 Take-Home Pay$0
You keep: 0% · Effective tax rate: 0%
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What Is Take-Home Pay?
Take-home pay (net pay) is the amount that actually reaches your bank account after all mandatory and voluntary deductions. This is the number that matters for budgeting — not your gross salary.
What Gets Deducted
Multiple layers stand between gross and net: Federal income tax (10–37%), Social Security (6.2% up to $176,100), Medicare (1.45%+), state income tax (0–13.3%), and voluntary deductions like 401(k) and health insurance.
How to Maximize Take-Home Pay
Optimize your W-4 withholding, maximize pre-tax deductions, use tax credits, and consider your state’s tax burden when making location decisions.
💡 Pro tip: Use your take-home pay (not gross) for budgeting. The 50/30/20 rule suggests 50% on needs, 30% on wants, and 20% on savings.