A simple estimate of net pay using a single effective rate for taxes and deductions. For exact figures use a full payroll tool, since brackets and local taxes vary.
How the Take-Home Pay Calculator works
This gives a simple estimate: net pay = gross × (1 − effective tax & deduction rate). It uses one combined rate because brackets and local taxes vary by person.
Example calculation
A $70,000 salary at a 25% effective rate is about $52,500 net — roughly $4,375 a month.
Tips for using the Take-Home Pay Calculator
- Use your combined effective rate (often 20–35% in the US).
- Pre-tax benefits lower taxable income.
- For exact figures, use a full payroll tool.
Take-Home Pay Calculator — frequently asked questions
- What rate should I enter?
- Use your combined effective rate for income tax, payroll tax and benefits — often 20–35% in the US.
- Why not exact?
- Real take-home depends on filing status, state, brackets and pre-tax deductions.
- Why isn't this exact?
- Real take-home depends on filing status, state, brackets and pre-tax deductions.
- What rate should I enter?
- Your blended rate for income tax, payroll tax and benefit deductions.
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