Paycheck Calculator

Estimate your take-home pay after taxes and deductions per pay period. Free, instant, no signup.

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Formula: Take-home = gross − pre-tax − tax − post-tax

How to use the Paycheck Calculator

  1. Enter your values. Fill in the fields with your numbers.
  2. Calculate. Press Calculate to run the paycheck calculator.
  3. Use the result. Copy the result or try a related tool next.

Why use our Paycheck Calculator

Instant results. Enter your figures and the paycheck calculator returns an answer in seconds.
Free & private. Runs in your browser — no signup, and nothing is sent to a server.
Accurate. Uses standard formulas so you can rely on the numbers.

Free to use — premium coming soon

FREE
  • Unlimited calculations
  • Instant results
  • No signup
PREMIUM
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  • Save & compare scenarios
  • Export results

About the Paycheck Calculator

The Paycheck Calculator turns a gross salary or hourly wage into the number that actually reaches your bank account: your take-home, or net, pay. Gross pay is the headline figure on a job offer, but it is rarely what you can spend. Between that number and your real paycheck sit federal income tax withholding, Social Security and Medicare (FICA), any state and local income tax, and the deductions you choose, such as a 401(k) or health insurance. This tool estimates each of those layers so you can see where your money goes before payday rather than being surprised by the first deposit.

Reach for this calculator whenever your real cash flow matters more than your salary on paper. It is useful when you are weighing a job offer, deciding how much rent or a car payment you can carry, setting a monthly budget, or testing how a raise will feel after taxes. It also answers a question employees ask constantly: how much extra would I actually keep if I bumped my 401(k) up by a few percent, or what would switching from biweekly to monthly pay do to each check. Seeing net pay per period, rather than per year, makes those trade-offs concrete.

Mechanically, the calculation follows the order payroll departments use. Start with gross pay for the period, subtract eligible pre-tax deductions like a traditional 401(k) and many health premiums to get taxable wages, then apply federal withholding based on your W-4. FICA is layered on: 6.2% for Social Security up to the annual wage cap ($184,500 in 2026) and 1.45% for Medicare on all wages, with an extra 0.9% Medicare surtax above $200,000. State and local taxes and any after-tax deductions come last. Pay frequency divides the annual figures into checks: 52 weekly, 26 biweekly, 24 semimonthly, or 12 monthly.

Treat the result as a well-grounded estimate, not an exact pay stub. Real withholding depends on the specifics of your W-4, your state and locality, employer benefit rules, and the fact that income tax uses graduated brackets rather than one flat rate, so two people with the same salary can take home different amounts. For privacy, everything is computed in your browser as you type. The figures you enter, including your salary and deductions, are not transmitted to a server or stored, so you can model sensitive numbers freely and compare scenarios without leaving a trail.

Frequently asked questions

What is the difference between gross pay and net pay?

Gross pay is your total earnings before anything is removed, such as your full annual salary or hourly wage times hours worked. Net pay, or take-home pay, is what remains after taxes and deductions and is the amount actually deposited into your account.

Why is my take-home pay so much lower than my salary?

Federal income tax withholding, Social Security (6.2%) and Medicare (1.45%), and often state and local taxes are subtracted from every check, along with deductions you elect like a 401(k) or health insurance. For many W-2 workers roughly a quarter to a third of gross pay goes to taxes before benefit choices are applied.

Does contributing to a 401(k) increase my take-home pay calculation?

A traditional 401(k) contribution lowers your federal income taxable wages, so it reduces income tax and softens the hit to net pay. It does not reduce Social Security or Medicare taxes, though, because those still apply to the amount you defer.

How does pay frequency change the numbers?

Your annual take-home pay is the same regardless of schedule, but it is split across a different number of checks: 52 weekly, 26 biweekly, 24 semimonthly, or 12 monthly. Less frequent pay means larger individual checks but the same yearly total.

Is this calculator accurate enough to rely on?

It gives a close estimate based on standard federal rules and the figures you provide, which is ideal for budgeting and comparing offers. Your actual paycheck can differ because of your specific W-4, your state and locality, and the fact that income tax uses brackets, so check your real pay stub for exact amounts.

From our blog

Miles to Steps: How to Convert Distance Into an Accurate Step Count

By the Super Simple Digital Tools Team · Updated June 2026

If your treadmill, running app, or commute tells you the miles but your step challenge wants steps, you need a way to bridge the two. The conversion is straightforward in principle: take the distance in miles and multiply it by how many steps you personally take to cover one mile. The catch is that 'steps per mile' is not a fixed constant, and using the wrong one can throw your total off by hundreds of steps over a few miles.

The most quoted reference numbers come from a 2008 American College of Sports Medicine study, which measured roughly 2,252 steps for a mile at an average 3 mph walk, about 1,935 for a brisk 4 mph walk, and around 1,672 down to 1,400 steps for running at 6 to 7.5 mph. These make excellent defaults, but they describe an average person. Your own rate depends on stride length, which in turn depends mostly on your height and how fast you are moving.

To estimate steps per mile yourself, divide the 63,360 inches in a mile by your stride length in inches. A quick rule of thumb sets walking stride at about 41 to 43 percent of your height and running stride at about 55 percent. So a 5'6" (66-inch) person has a walking stride near 27 inches, giving roughly 2,350 steps per mile, and a running stride near 36 inches, giving closer to 1,760. Plug whichever matches your activity into the calculator for a far better fit than a one-size-fits-all average.

For the most accurate result, skip the estimate and measure. Mark off a known distance, such as 20 or 30 feet, walk it naturally a few times while counting your steps, and divide the distance by the step count to get your true stride length. People who do this often find their real stride differs noticeably from the height-based guess, especially if they have an unusually long or short gait or walk on hills.

Once you know your personal rate, the calculator becomes a fast everyday tool: log a 3-mile run as steps, see how many miles it takes to hit 10,000 steps (about 4.4 at average pace), or compare the step cost of walking versus running the same route. Keep in mind it is always an estimate, since terrain, tiredness, and pace shift your stride moment to moment. Used with a measured stride, though, it gets you reliably close without any extra hardware.

  • Measure your real stride over a marked 20 to 30 foot distance instead of trusting the height-based average for a tighter result.
  • Use a higher steps-per-mile rate (around 2,250) for casual walking and a lower one (around 1,500 to 1,700) when the miles were run.
  • To reverse the math, divide your step goal by your steps per mile: 10,000 steps is about 4.4 miles at an average walking pace.
  • Re-check your stride if you switch surfaces or speeds, since hills and faster paces lengthen or shorten each step.

Read the full guide →

Tool by the Super Simple Digital Tools Team. Reviewed by our editorial team. Free to use, no signup required.

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