Know Exactly What You
Take Home
Free salary, paycheck and tax calculators for every US state. No signup. No BS. Just your real number.
All Calculators
Pick your tool. Get your number in seconds.
Salary Calculator
Federal & state take-home pay from your annual salary
Take-Home Pay Calculator
See exactly what lands in your bank after all taxes
Paycheck Calculator
Break down your paycheck by period and tax type
Hourly to Salary Calculator
Convert your hourly rate to annual salary instantly
Net Pay Calculator
Find your net income after federal and state deductions
1099 Tax Calculator
Estimate self-employment tax for independent contractors
Salary Increase Calculator
See how a raise changes your after-tax take-home pay
Federal Income Tax Calculator
Calculate your exact federal tax liability for 2026
After-Tax Income Calculator
Your real income after every tax is taken out
Bonus Tax Calculator
See how much of your bonus you keep after all taxes
Overtime Calculator
Real OT take-home after federal, state, and FICA
W-2 vs 1099 Calculator
Side-by-side comparison with 1099 break-even rate
Self-Employed Tax Calculator
SE tax, deductions, quarterly payments for sole proprietors
Quarterly Tax Calculator
Exact Q1–Q4 payment amounts and safe harbor rule
Time Card Calculator
Calculate work hours and pay including overtime
Salary to Hourly Calculator
Convert your annual salary to an hourly rate instantly
401(k) Calculator
See your take-home pay before and after 401(k) contributions
Roth IRA Calculator
Project your tax-free Roth IRA growth to retirement
Job Offer Comparison Calculator
Compare two job offers after tax and see which pays more
Student Loan Calculator
Compare Standard, Graduated, and Income-Driven repayment plans
Social Security Calculator
Estimate your benefit at 62, 67, and 70 with break-even analysis
Wage Garnishment Calculator
See the max that can be taken from your paycheck by law
Net Worth Calculator
Calculate assets minus liabilities and compare to US averages by age
Emergency Fund Calculator
See exactly how much to save and how long it takes to build it
Mortgage Calculator
Full PITI payment with property tax, insurance, PMI, and amortization
Car Loan Calculator
Monthly auto payment with sales tax, trade-in, and dealer fees
Personal Loan Calculator
Monthly payment by credit score tier — excellent to poor
Hours Calculator
Weekly work hours and gross pay with overtime at 1.5×
Date Calculator
Days between dates including business days, add/subtract time
CD Calculator
Certificate of Deposit interest and maturity value for any term
Investment Calculator
Compound growth with monthly contributions over any time period
Time and a Half Calculator
1.5× overtime rate, weekly pay, and annual earnings with overtime
APY Calculator
Convert APR to APY, APY to APR, and calculate savings earnings
Tax Bracket Calculator
See your 2026 federal tax brackets visualized and effective vs marginal rate
Commission Calculator
Calculate straight, tiered, or draw-against commission and total comp
Net to Gross Calculator
Enter desired take-home pay and find the gross salary you need to negotiate
Annuity Calculator
Calculate present value, future value, or required payment for any annuity
Amortization Calculator
Full payment schedule for any loan — mortgage, auto, or personal
Mortgage Payment Calculator
Monthly P&I payment or how much you can borrow on a budget
Savings Calculator
Project savings growth or find your monthly savings goal
ADP Paycheck Calculator
Estimate your ADP paycheck — no login required. All 50 states.
Online Payroll Calculator
Calculate employee net pay + employer payroll cost. No software.
Payroll Hours Calculator
Hourly rate × hours worked → net weekly pay after taxes
Nanny Payroll Calculator
Nanny tax, FICA, FUTA, and total household employer cost
Compound Interest Calculator
Watch savings grow with daily, monthly, or annual compounding
Debt-to-Income Calculator
Check your DTI ratio before applying for a mortgage or loan
Tax Refund Calculator
Estimate your 2026 IRS refund or balance due before filing
Tax Withholding Calculator
Fine-tune your W-4 so the right amount is withheld each paycheck
Retirement Savings Calculator
Project your nest egg from contributions, match, and growth
Military Retirement Calculator
High-3 and BRS pension estimates by rank and years of service
Lottery Tax Calculator
Lump sum vs annuity payouts after federal and state taxes
How It Works
Your take-home pay in three quick steps.
Enter your salary
Type your annual or hourly pay. No account needed.
Choose your state
Select your filing status and state for accurate deductions.
Get your number
See your real take-home pay broken down by paycheck, month, and year.
Frequently Asked Questions
How accurate are these salary calculators?
Our federal calculations use IRS Revenue Procedure 2025-32 directly — the official 2026 tax brackets, standard deductions, and FICA rates. State data uses verified figures from each state's revenue department. Results are estimates; consult a tax professional for exact withholding.
What is the difference between effective and marginal tax rate?
Effective tax rate is your total tax bill divided by gross income — it is the actual percentage you pay. Marginal rate is the rate applied to your last dollar earned. A $75,000 single filer has a 22% marginal rate but only a ~10.5% effective federal rate.
Do I need to create an account to use these calculators?
No. All calculators are free with no registration required. Your numbers stay in your browser — we never store or transmit any salary or financial data you enter.
Which US states are supported?
All 50 US states are supported, including California, Texas, New York, Florida, and all others. Each calculator has a dedicated page for every state with the correct local and state tax rates.
How much of a $75,000 salary do you actually keep?
A single filer earning $75,000 in Texas takes home approximately $61,390/year ($2,361 bi-weekly) after federal income tax and FICA. In California: ~$55,200/year. In New York: ~$57,100/year. Use our salary calculator for your exact number.
How often is the tax data updated?
Federal data is updated annually when the IRS publishes new Revenue Procedures (typically each fall). State data is updated when state revenue departments publish new rate schedules for the tax year.