See roughly what actually lands in your bank account each paycheck once tax, retirement contributions, and other deductions come out of your gross salary.
Estimate your take-home pay
This is an estimate for budgeting purposes only — your actual paycheck depends on your specific tax bracket, filing status, and local tax rules. Check your pay stub or a government tax calculator for exact figures.
Why gross and net pay look so different
Gross salary is the number in your offer letter. Net (take-home) pay is what actually hits your bank account after income tax, payroll taxes, and any voluntary deductions like retirement contributions or health insurance premiums come out. This calculator applies your estimated combined deduction rate to your gross salary and divides it across your pay periods, so you can budget against a realistic number instead of your full salary.
How to calculate your net salary in 3 steps
- Enter your gross annual salary — the full amount before any deductions.
- Enter your estimated total tax rate — your effective rate, not your tax bracket (see below).
- Add retirement or other deductions — then choose your pay frequency to see the per-paycheck number.
Finding your actual tax rate
Your total tax rate depends on your income bracket, filing status, and location, and it isn’t the same as your top marginal tax bracket — most people’s effective (average) tax rate is lower than the bracket they’re technically “in.” The most accurate source is a recent pay stub: divide your total tax withheld by your gross pay for that period.
Worked example
A $65,000 gross salary, paid biweekly, with a 22% estimated tax rate and a 5% retirement contribution: combined deductions are 27%, so estimated net annual pay is $65,000 × (1 − 0.27) = $47,450. Divided across 26 paychecks a year, that’s $1,825 per paycheck take-home.
Estimated take-home at a 27% combined deduction rate
| Gross annual salary | Estimated net annual | Per biweekly paycheck |
|---|---|---|
| $45,000 | $32,850 | $1,263 |
| $65,000 | $47,450 | $1,825 |
| $85,000 | $62,050 | $2,387 |
| $110,000 | $80,300 | $3,088 |
Your actual combined rate will differ based on filing status, state taxes and benefit elections — use this table for ballpark comparison only, and the calculator above with your own numbers for a closer estimate.
Frequently asked questions
What tax rate should I use if I don’t know my exact rate?
25–30% is a reasonable starting estimate for many single filers in the US at a moderate income, but check an official tax withholding calculator or your last pay stub for a more accurate number specific to your situation.
Should health insurance premiums count as a deduction here?
Yes — add them into the “retirement/other deductions” field along with any other pre-tax or post-tax payroll deductions you have, for a more complete estimate.
What’s the difference between net pay and net income?
For an employee, they’re the same thing — both mean what you actually take home after tax and deductions. “Net income” is also used for a business’s profit after expenses, which is a different calculation than personal take-home pay.
How do I calculate net income from my monthly gross pay?
This calculator expects your gross annual salary. If you only know your gross monthly pay, multiply it by 12 before entering it. Then choose “Monthly” under pay frequency to see the estimated take-home amount per month.