Gross to Net Take-Home Pay
Take-Home Pay Calculator — Gross to Net
What this calculator does
This calculator shows how much of your gross salary actually reaches your bank account after common deductions.
The math, with a worked example
Net pay = gross salary × (1 − total deduction rate ÷ 100). Deduction rate = federal + state + FICA + other. 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
Every budget built on gross salary is built on money you never see. $60,000 becomes about $42,210 in hand after federal, state, FICA, and other deductions — the 30% gap is where overcommitted rents and car payments come from.
Methodology and transparency
Net pay = gross × (1 − (federal + state + FICA + other) ÷ 100), flat rates on the whole salary. Real federal tax is bracketed, not flat, so your entry should be your effective rate, not your top bracket — using the bracket rate overstates the bite. FICA's 7.65% is standard for employees; the other lines are yours to match to your paystub, which is the best calibration source you own. Everything runs in your browser; no data is sent or stored.
Last reviewed: 2026-08-08
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.