Estimate take-home after taxes and deductions.
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.
Take-home is gross income minus taxes, retirement contributions, insurance premiums, and other deductions.
US 401(k) contributions reduce taxable income, so real take-home is often slightly higher than a naive subtraction — this tool keeps math simple.
This is the number that actually matters for budgeting — building a monthly budget around gross salary is one of the most common causes of people feeling like their money 'disappears.'
$6,000/mo gross with 25% tax, 5% retirement, and $200 health premium: $6,000 − $1,500 − $300 − $200 = $4,000.00 per month.
For cash-flow budgeting, treat as deduction; for net worth, they still count. It's your money, just locked into retirement.
Health premiums, HSA/FSA, life insurance, disability, parking, transit. Add up pay-stub deductions once for the full picture.
US bonuses are often withheld at a flat 22–37% supplemental rate, over-withholding for most people. Difference comes back at tax time.
Any time your salary, tax withholding, benefits elections, or retirement contribution rate changes — open enrollment season is a common trigger since premiums often shift.