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Take-Home-Paycheck Calculator
by tools1
2025. 9. 3.
Take-Home Paycheck Calculator
Take-Home Paycheck Calculator
(Estimate your net salary after taxes & deductions per paycheck)
Enter Your Details:
Pay Frequency:
🟢 Weekly | 🟢 Bi-Weekly | 🟢 Semi-Monthly | 🟢 Monthly
Gross Pay (Before Taxes):
$_______ / paycheck
or $_______ / year
Filing Status:
🟢 Single | 🟢 Married (Joint) | 🟢 Head of Household
Location:
State: _______ (for state/local taxes)
City: _______ (if city taxes apply, e.g., NYC)
Pre-Tax Deductions:
401(k)/Retirement: % or $
Health Insurance: $_______
HSA/FSA: $_______
Post-Tax Deductions:
Union Dues: $_______
Other: $_______
Calculate Your Take-Home Pay
💰 Federal Tax: $_______
💰 State Tax: $_______ (if applicable)
💰 Social Security (6.2%): $_______
💰 Medicare (1.45%): $_______
💵 Net Paycheck Amount: $_______
(Your actual take-home pay per pay period!)
How It Works:
Tax Withholding:
Federal/State taxes depend on income + filing status.
Example: $1,500 bi-weekly → ~$200 federal tax (Single, no state tax).
Pre-Tax Benefits:
401(k) contributions reduce taxable income.
Example: 5% of $60,000 salary = $3,000 saved yearly → lowers taxes.
Post-Tax Deductions:
Taken after taxes (e.g., Roth IRA, wage garnishments).
Example Calculation:
Bi-Weekly Pay: $2,500
Filing Status: Single (NY)
Pre-Tax Deductions:
401(k): 6% ($150)
Health Insurance: $100
Taxes/Deductions:
Federal: ~$300
NY State: ~$150
Social Security/Medicare: ~$191
Net Pay: ~$1,709
(Your results will vary based on location and deductions.)
Key Terms:
✔ Gross Pay: Earnings before deductions.
✔ Net Pay: Actual take-home amount (“your money”).
✔ FICA: Social Security + Medicare taxes (7.65% total).
Try It Yourself:
🔹 $800/week → $_______/paycheck
🔹 $5,000/month → $_______/paycheck
