Paycheck Take-Home Calculator (2026)
Estimate your net (take-home) pay from your gross pay. Enter your numbers to see where each dollar goes — taxes, FICA, and pre-tax deductions.
Use a flat estimate; state rules vary. Leave 0 for no-income-tax states.
Estimated take-home per check
$1,886.18
$49,040.58 / year · 14.8% effective tax rate
| Line | Per check | Per year |
|---|---|---|
| Gross pay | $2,500.00 | $65,000.00 |
| 401(k) / pre-tax retirement | -$125.00 | -$3,250.00 |
| Health & other pre-tax | -$120.00 | -$3,120.00 |
| Social Security (6.2%) | -$147.56 | -$3,836.56 |
| Medicare (1.45%) | -$34.51 | -$897.26 |
| Federal income tax (est.) | -$186.75 | -$4,855.60 |
| State income tax (est.) | -$0.00 | -$0.00 |
| Net take-home | $1,886.18 | $49,040.58 |
Estimate for 2026 using federal brackets, the Social Security wage base, and your inputs. It does not account for every credit, additional withholding, local taxes, or state-specific rules. Not tax advice.
Working with a stack of pay stubs?
If you review income for lending, leasing, or HR, test a representative supported pay stub to receive configured gross, net, tax, deduction, and YTD fields with confidence signals. Compare results with the source — 3 free, no credit card.
Want the pay stub extraction guide?
Get a free step-by-step guide to extracting and reviewing data from pay stubs — plus tips for recurring workflows.
Free. No credit card. Unsubscribe anytime.