Estimate net pay from gross salary with a simple flat tax.
These calculators use standard financial formulas (amortization, compound interest, marginal tax brackets) to estimate results based on the numbers you enter. They don't account for your full financial picture, and results shouldn't be treated as financial, tax, or investment advice. For decisions with real money on the line, check the numbers with a lender, accountant, or financial advisor who can see your complete situation.
Applies a single effective tax rate to gross annual salary and splits the result across your pay periods. Quick estimate — real paychecks stack federal, state, FICA, and often local taxes plus benefits deducted separately.
Use it to sanity-check job offers or budget expected take-home. For exact numbers, refer to your latest pay stub.
This is especially useful when comparing two job offers with different salaries and pay frequencies — converting both to the same per-paycheck basis makes the real difference obvious.
A $75,000 salary at a 22% effective tax rate leaves $58,500 net. Biweekly (26 periods) = $2,250.00 per paycheck, with $16,500 withheld over the year.
Real withholding stacks federal, FICA (7.65%), state, sometimes local tax, plus insurance and retirement. This tool collapses all into one rate.
Rough US estimate: 20–25% middle earners, 25–32% higher earners including FICA. Divide last year's total tax by gross for personal accuracy.
Total annual pay is the same; per-check amount differs. Weekly = 52, biweekly = 26, semi-monthly = 24, monthly = 12.
Biweekly pay (every 14 days) produces 26 paychecks a year, which doesn't divide evenly into 12 months — so two months a year get an extra 'third' paycheck. Budget around the 26-paycheck annual total, not a fixed monthly amount.