Free Paycheck Calculator | Estimate Your Take-Home Pay
Estimated Paycheck Calculator
Understand your paycheck before payday. Enter your hourly pay, withholding details, and deductions to estimate your take-home pay.
1. Pay Information
For example, commissions or bonuses. Special tax treatment is not modeled.
Optional. Enter prior Social Security wages to estimate the annual wage cap.
2. Federal W-4 Information
Enter the total dollar amount from Step 3, not the number of children.
An estimate only; this simplified model does not reproduce the IRS payroll worksheet.
3. State and Local Taxes
Enter your applicable withholding rates. These fields do not automatically determine your state's tax rules.
4. Benefits and Deductions
Examples: qualifying health premiums or traditional 401(k) contributions. Tax treatment varies by deduction.
Examples: Roth contributions or other deductions taken after taxes.
Your Paycheck Breakdown
Understand Your Numbers
This is an educational estimate, not an official payroll calculation or tax advice. Federal withholding uses a simplified annualized method and 2026 brackets; it does not reproduce all IRS Publication 15-T worksheet adjustments. State/local rates are supplied by you. Actual payroll may differ due to tax rules, benefit treatment, wage caps, credits, and employer payroll settings. Confirm results with your payroll department or a qualified tax professional.