Net Pay Calculator
Calculate your net pay after deductions including federal income tax, Social Security, Medicare, and state tax.
Published by:
isCalculator Editorial Team
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How to Use the Net Pay Calculator
This calculator estimates your net pay (take-home amount) per pay period after federal taxes, Social Security, Medicare, state tax, and deductions. Follow these steps:
- Enter Gross Pay – Input your gross earnings for one pay period (e.g., $5,000). Must be a positive number.
- Select Pay Frequency – Choose how often you get paid: Weekly, Biweekly, Semi-monthly, or Monthly.
- Choose Filing Status – Select Single, Married Filing Jointly, or Head of Household. This affects federal tax brackets.
- Enter State Tax Rate (%) – Input your state’s flat tax rate (e.g., 5 for 5%). Use 0 if no state tax. Must be between 0 and 100.
- Add Pre-tax Deductions – Enter amounts like 401(k) or HSA contributions per pay period (e.g., $200). These reduce taxable income.
- Add Post-tax Deductions – Enter amounts like Roth IRA contributions per pay period (e.g., $100). These are subtracted after taxes.
- Click “Calculate Net Pay” – The result shows your net pay per period and a full breakdown of taxes and deductions.
Note: All inputs are per pay period. The calculator uses 2025 simplified federal tax brackets and assumes a flat state tax rate. Social Security is capped at $176,100 annual income. Medicare includes an additional 0.9% tax for high earners.
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Frequently Asked Questions
Net pay is the amount you take home after all deductions, including taxes, Social Security, Medicare, and other withholdings.
Federal income tax is calculated using progressive tax brackets based on your taxable income and filing status. Our calculator uses the 2025 brackets.
Pre-tax deductions are contributions that reduce your taxable income, such as 401(k) or health insurance premiums.
