Paycheck Calculator: Net Pay

See your REAL take-home pay in seconds.

Enter your hourly rate or salary, pick your state, and watch your paycheck print out as a real paystub — gross pay at the top, every tax and deduction line by line, and your net pay at the bottom.

Free forever. No subscription. No paywall. No sign-up. No account. Hourly or salary, weekly to monthly, every state. Works completely offline.


WHAT IT ANSWERS

• How much is my paycheck after taxes?
• What is my take-home pay, hourly or salary?
• How much federal and state income tax comes out?
• What will my net pay be weekly, biweekly, semi-monthly or monthly?
• How much does my 401(k) actually cost me per check?
• Which job offer really pays more after tax?
• What does a raise add to my paycheck — not my salary?


PAYCHECK CALCULATOR

• Hourly mode with overtime at 1.5x and 2x, plus a second pay rate
• Salary mode
• Pay periods: weekly, biweekly, semi-monthly, monthly
• Real 2026 W-4 fields, labeled with the W-4's own wording so you can copy straight off your form: Step 2 two-jobs checkbox, Step 3 dependents, Step 4 extra withholding
• Federal income tax withholding
• State income tax for all 50 states and DC
• Social Security and Medicare (FICA), including the additional Medicare surtax
• Pre-tax deductions: 401(k) by percent or dollar, health insurance, HSA, FSA
• Post-tax deductions


EVERY LINE EXPLAINS ITSELF

Tap any line on the paystub — federal withholding, FICA, your state tax, your 401(k) — and get a plain-English explanation of what it is and why it is that amount. No jargon, no tax degree required.


COMPARE, CONVERT, PROJECT, SAVE

• Compare — put two scenarios side by side. A raise, a new state, a different filing status, a competing job offer. See the after-tax difference, not the sticker number.
• Convert — hourly to salary and salary to hourly, instantly.
• Year — project your full year: annual gross, total tax, annual take-home, and which months carry an extra payday.
• Saved — store profiles for different jobs, rates or scenarios and reload any of them in one tap.


BUILT ON 2026 TAX ESTIMATES

Every result carries a visible "TABLES 2026" stamp so you always know which year's figures produced your number. Tap it to see exactly which tables were used and when they were last updated. No guessing whether you are looking at last year's math.


OFFICIAL SOURCES

Every figure comes from official government publications you can verify yourself:
• Federal withholding: IRS Publication 15-T — https://www.irs.gov/publications/p15t
• Form W-4: https://www.irs.gov/forms-pubs/about-form-w-4
• Social Security & Medicare (FICA) rates: https://www.irs.gov/taxtopics/tc751
• State income tax: your state's tax agency, listed at https://www.usa.gov/state-taxes


YOUR PAY DATA NEVER LEAVES YOUR PHONE

Your wages, your state, your deductions and your saved profiles are stored only on your device. They are never uploaded, never sent to a server, never sold. The calculator itself needs no internet connection at all.

The app is free and supported by a single small banner ad shown beside your result. That is the whole business model — there is nothing to buy, ever.


WHO IT IS FOR

Hourly workers, salaried employees weighing an offer, freelancers estimating withholding — anyone who has looked at a paystub and thought "where did it all go?"


DISCLAIMER

This app is an independent, privately developed tool. It does not represent any government entity and is not affiliated with, endorsed by, or sponsored by the IRS, the Social Security Administration, or any state or local government. It provides estimates for educational and informational purposes only and is not tax, legal or financial advice. Your actual withholding and take-home pay can vary with your employer's payroll system, your benefits elections and local taxes. Always check your results against your real pay stub and official IRS or state guidance.