More in Income
What this calculator does
This calculator shows how much of your gross salary actually reaches your bank account after common deductions.
The math
Net pay = gross salary × (1 − total deduction rate ÷ 100). Deduction rate = federal + state + FICA + other.
Worked example
A $60,000 salary with 12% federal, 5% state, 7.65% FICA, and 5% other deductions leaves about $42,210 in take-home pay.
Why this matters
Your salary and your spendable income are not the same number. This calculator shows what you actually keep and what that means for your budget.
Methodology and transparency
This page publishes the exact formula used to compute the result, so you can verify it in a spreadsheet or check the assumptions against your own situation. The worked example uses the tool default inputs; change any number and the result updates live in your browser. No data is sent or stored.
Common questions
Is this my exact paycheck?
No. It is an estimate. Real checks include exact withholding tables, pre-tax deductions, and employer-specific items.
What is FICA?
FICA is Social Security and Medicare tax, usually 7.65% for employees.
Should I include 401k contributions?
Yes, add them under Other Deductions. Traditional 401k contributions reduce taxable income.