Work & pay
Estimate gross and take-home pay per paycheck from salary, taxes, and deductions.
Enter your numbers to see the answer.
Paycheck calculator guide
A paycheck estimate starts with annual gross pay, divides it by the number of pay periods in the year, and subtracts an estimated tax rate and any other per-paycheck deductions to give take-home pay. This page is a budgeting tool, not a jurisdiction-specific payroll engine: it uses the single tax percentage you supply rather than withholding tables, so it keeps the tax year, jurisdiction, source, update owner, and review date visible instead of implying universal withholding accuracy. Use it to compare offers with different pay frequencies, test how a 401(k) or pension contribution changes your net, or sanity-check a new job’s first payslip. Actual withholding depends on filing status, allowances, pre-tax benefits, retirement contributions, credits, Social Security and Medicare caps, and state or local taxes, none of which are modeled beyond the rate you enter.
Gross pay per paycheck = annual gross pay ÷ pay periods (52 weekly, 26 biweekly, 24 semimonthly, 12 monthly). Estimated taxes = gross pay × tax rate ÷ 100. Take-home pay = gross pay − estimated taxes − other deductions. Annual net estimate = take-home pay × pay periods.
Worked example with the defaults: $65,000 of annual gross pay paid monthly is $65,000 ÷ 12 = $5,416.67 gross per paycheck. At the default 22% estimated tax rate the taxes row shows $5,416.67 × 0.22 = $1,191.67. Subtracting that and the $300 of other deductions gives $5,416.67 − $1,191.67 − $300 = $3,925.00, the take-home pay the calculator displays, and the annual net estimate is $3,925.00 × 12 = $47,100.00. Switching the frequency to biweekly divides the same salary by 26 instead: $2,500.00 gross, $550.00 tax, and $1,650.00 net if the $300 deduction stays per paycheck.
Enter annual pay as gross salary before any deductions, select the pay frequency, and enter the estimated tax rate as a percentage such as 22, not 0.22. Other deductions are in currency per paycheck, so a $3,600 annual health premium paid monthly is $300, but the same premium paid biweekly is about $138. Benefits, pre-tax deductions, credits, local taxes, and payroll caps may change actual pay and are not converted for you.
Use this as a budgeting scenario and compare it with a real payslip. It does not file taxes or determine legal withholding, and the tax rate you enter should approximate your combined federal, state, and payroll-tax percentage, not just your marginal bracket.
Do not treat the estimate as net pay guaranteed by an employer; it reflects only the tax rate you typed. Do not mix annual deductions with per-paycheck deductions, because entering a $3,600 yearly premium as $3,600 per paycheck drives the result to zero. Do not enter your marginal income-tax bracket as the tax rate: a single filer on $65,000 in the US is in the 22% federal bracket but pays a lower effective federal rate, while Social Security and Medicare add another 7.65%, so the blended figure is what matters. Finally, remember the page ignores state and local taxes unless you fold them into the rate.
Confirm payroll rules, benefits, and tax treatment with your employer or qualified tax professional.
Sources
How it works
Estimate gross and take-home pay per paycheck from salary, taxes, and deductions. This tool explains the calculation so you can adjust the assumptions to match your situation.
Worked example
With Annual gross pay = 65000 $/year · Pay frequency = monthly · Estimated tax rate = 22 % · Other deductions = 300 $ / paycheck · Tax year = 2026 → $3,925.00 (estimated take-home pay per paycheck). Change an input above and this example updates with your numbers.
Common questions
No. It models the tax rate and deductions you supply; actual payroll depends on jurisdiction, filing status, pre-tax benefits, credits, wage-base caps, and personal circumstances. Treat the $3,925 default result as a budgeting estimate, then compare it with a real payslip.
Withholding tables, benefits, pre-tax deductions, credits, local taxes, and payroll rounding can all change the result. Employers also apply Social Security and Medicare separately from income tax, and a bonus month or a third paycheck in a biweekly month changes the pattern.
Weekly pay has 52 paychecks, biweekly 26, semimonthly 24, and monthly 12. The calculator divides annual gross pay by that count, so $65,000 is $5,416.67 monthly, $2,708.33 semimonthly, $2,500 biweekly, or $1,250 weekly before deductions.
Use an effective combined rate, not your top bracket. For a US employee, add estimated federal income tax, state income tax, and 7.65% for Social Security and Medicare, then divide by gross pay; the default 22% is a rough all-in figure for a mid-range salary and should be replaced with your own.
Only if you enter them in the other deductions field, per paycheck. The calculator treats them as after-tax deductions, so a pre-tax 401(k) or pension contribution will slightly overstate your taxes and understate your net compared with a real payslip.