Take-Home Pay Paycheck Calculator

Turn a salary or hourly rate into the net pay you actually take home each paycheck after tax, retirement and other deductions.

Need help with the calculation?
Pick a starting scenario
How is your pay set?
How often are you paid?
Deductions taken from your pay
Other deductions (health, dues and similar)

Each line is taken after tax. Choose whether it is a percent of gross pay or a fixed amount per paycheck, then enter the value. Leave at zero to skip.

Take-home pay per paycheck
0
Enter your pay to see a result.
Gross per paycheck0
Total deductions0
Net per year0
Where one paycheck goes

The bands are sized by their share of gross pay. The widest band you want to see is take-home; everything before it is money withheld before the pay reaches you.

The same pay at every frequency
Pay frequencyGrossDeductionsTake-home

Every row is the same yearly pay, just split into a different number of paychecks. The row matching your selected frequency is highlighted; the last row is the annual total.

For beginners: how to read this result
Gross is not what you keepGross pay is the headline figure before anything is taken out. Take-home pay is what actually reaches your account after every deduction.
Pre-tax contributions come firstA pre-tax retirement contribution is removed before tax is worked out, so it lowers both your savings gap and the amount that gets taxed.
Biweekly is not semi-monthlyBiweekly means 26 paychecks a year; semi-monthly means 24. The same salary gives a slightly smaller biweekly cheque but two extra cheques a year.
The tax rate is your inputThis tool does not know your country or tax brackets. It uses the single effective rate you type, so enter a rate that matches your real payslip.
This is an estimate based on the figures you enter. It applies one flat effective tax rate to your taxable pay and does not use any tax brackets, allowances, credits, wage caps or employer contributions. Real payroll uses progressive rates and rules that vary by country and employer, so treat the result as a planning guide and check an official payslip for exact figures.
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To get a result, pick a preset or enter your own figures. Choose how your pay is set, then how often you are paid, and add your deduction rates. The headline answer is the net pay you keep from a single paycheck, with the net annual figure beside it.

Salary mode and hourly mode

The pay-entry toggle changes which fields are shown.

  • Annual salary — you enter your full yearly gross pay and the hourly fields are hidden.
  • Hourly rate — you enter your hourly rate and hours per week; the annual-salary field is hidden and yearly gross is worked out as rate times hours times 52 weeks.

Choosing a pay frequency

Weekly is 52 paychecks a year, biweekly is 26, semi-monthly is 24 and monthly is 12. The same yearly pay split into more paychecks gives a smaller amount per cheque. Biweekly and semi-monthly are often confused: biweekly pays every two weeks (26 times), while semi-monthly pays twice a month (24 times), so the per-paycheck figures differ even for an identical salary.

How the math works

First the pre-tax retirement contribution is removed: it is a percent of gross pay and is taken before tax. The income-tax rate is then applied only to the pay that is left, which is the taxable amount. Each other deduction line is subtracted after tax — either as a percent of gross or as a fixed amount per paycheck. Net pay is gross pay minus retirement, minus tax, minus the other deductions. The per-paycheck figures are simply the annual figures divided by the number of paychecks in a year.

The deduction rates are your inputs

This calculator does not contain any country’s tax tables, brackets, allowances or wage caps. The income-tax rate, retirement percent and the other deduction lines are all values you enter. Use your own effective tax rate — the single rate that, applied flat, matches the tax shown on your real payslip.

What is not included

This is a planning estimate. It applies one flat effective tax rate and does not model progressive brackets, tax credits, filing status, year-to-date wage caps, employer contributions, overtime multipliers, bonuses or commissions. Real payroll rules vary by country and employer, so confirm exact figures against an official payslip.