Take Home Paycheck Calculator

Whether you are negotiating a new salary, picking up an overtime shift, or adjusting your 401k, NetPay is the most accurate take-home pay calculator for US workers.

Built exclusively for the US tax system, NetPay breaks down exactly where your money is going. Calculate your gross wages, Federal and State taxes, FICA, and pre/post-tax deductions so you know exactly what hits your bank account on payday.

WHY WORKERS LOVE NETPAY:
▸ The "What If" Simulator
Our unique What If mode lets you visually simulate changes to your income.

• Overtime Slider: See exactly how much extra take-home pay you get for working 5, 10, or 20 hours of OT (at 1.5x rate).
• 401k Savings Slider: Want to increase your retirement contributions? Slide the 401k bar and instantly see how it affects your tax savings and net pay.
• Raise Calculator: Compare your current paycheck side-by-side with a new job offer or promotion.

▸ Hourly & Salary Modes
• Hourly Workers: Calculate regular hours and overtime pay.
• Salaried Employees: Enter your annual gross income and select your pay frequency (Weekly, Bi-Weekly, Semi-Monthly, or Monthly).

▸ Accurate 2026 US Tax Engine
• All 50 States: Accurate state income tax calculations (including states with 0% income tax like TX, FL, NV).
• Federal Taxes: Updated with the latest 2026 progressive tax brackets.
• FICA: Automatically calculates Social Security (6.2%) and Medicare (1.45% + 0.9% additional surtax for high earners).
• Filing Status: Choose Single, Married, or Head of Household for accurate withholdings.

▸ Detailed Deductions
Easily input your custom paycheck deductions to get to your true net pay:

• Pre-Tax: 401k contributions, Health Insurance, HSA (Health Savings Account).
• Post-Tax: Custom deductions for union dues, garnishments, or specific state withholdings.

▸ Visual Breakdown
• Net Pay Hero: See your exact take-home pay in big, bold numbers.
• Tax Pie Chart: Visually understand how much the IRS and your state are taking.
• Annual Projections: See your effective tax rate and what your paycheck translates to over an entire year.

▸ Premium Design
• 100% Dark Mode: A sleek, beautiful, edge-to-edge dark interface that is easy on the eyes and saves battery life.
• Calculation History: Save your most frequent calculations so you don't have to type them in every time.

Take control of your W2 income. Whether you're a freelancer, an hourly shift worker, or a salaried executive, NetPay gives you absolute clarity on your money.

(Disclaimer: NetPay provides estimates based on 2026 tax brackets for educational and planning purposes. For official tax advice, please consult a certified CPA).