Free Online Paycheck Calculator for Calculating Net Take Home Pay

Paycheck Calculator Sign

This online paycheck calculator with overtime and claimed tips will estimate your net take-home pay after deductions and federal, state, and local income tax withholding.

You can choose between weekly, bi-weekly, semi-monthly, monthly, quarterly, semi-annual, and annual pay periods, and between single and married.

Plus, the paycheck tax calculator includes a built-in state income tax withholding table. Simply select your state, and the calculator will fill-in your state rate for you.

Note that the default rates are based on the 2019 federal withholding tables (IRS Publication 15 (2019), Table 7, pg 47), but you can select prior years for comparison purposes.

Read more ...

Also on this page:

Paycheck Calculator

Calculate a paycheck to estimate how much will your take-home pay will be.

Learn More

Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Hours (optional)
Hourly:Hourly:Hourly rate:Hourly pay rate:

Hourly pay rate:

If you would like the calculator to calculate your gross wages, enter your hourly pay rate. Otherwise, if you know your gross wages or you are paid on a salary basis, enter your gross wages for the period in the next section.

$
Reg hrs:Reg hrs:Regular hours:Regular hours this pay period:

Regular hours this pay period:

If you would like the calculator to calculate your gross wages, enter the number of hours work this pay period. Otherwise, enter your gross wages in the next section.

#
OT rate:OT rate:Overtime rate:Overtime rate:

Overtime rate:

If you would like the calculator to calculate your gross wages, either choose your overtime multiple (overtime rate will be calculated) or enter your overtime rate manually. Otherwise, enter your gross wages in the next section.

$
OT hrs:OT hours:Overtime hours:Overtime hours this pay period:

Overtime hours this pay period:

If you would like the calculator to calculate your gross wages, enter your overtime hours for this pay period. Otherwise, enter your gross wages in the next section.

#
Gross Wages & Pay Period
Gross:Gross:Gross pay:Gross pay for pay period:

Gross pay for pay period:

Enter your gross pay for the pay period if not already calculated from the above entries.

$
Tips:Claimed tips:Claimed tips:Claimed tips:
Sales:
Claiming:
Tips:

Claimed tips:

If you are required to claim a portion of your tips, enter the estimated total you want to claim for the pay period in the far right-hand field. Or, if you want the calculator to calculate your claimed tips for you, expand the description and enter your total sales, then select the percentage of sales you wish to claim as tipped wages.

$
Period:Period:Pay period:Select pay period:

Pay period:

Select how often you receive a paycheck.

Filing Status & Withholding
Status:Status:Filing status:Select filing status:

Filing status:

Choose Single if single or married filing separately. Choose Married if married filing jointly or filing head of household.

# Allow:# Allowances:Withholding allowances:Number of withholding allowances:

Number of withholding allowances:

Enter the number of withholding allowances. Normally equal to the number of dependents you have, but can be adjusted up or down depending on your circumstances. Note: The standard deduction has changed to a flat amount. If you leave the field blank the new flat standard deduction will be used. Otherwise, if you enter a number in the field, the old withholding allowances method will be used. Just use whichever method generates the net pay that more closely matches your actual paycheck.

#
Before Tax Adjustments
Plan:Qualified plan:Qualified deferral plan:Qualified tax deferral plan, such as 401K:

Qualified tax deferral plan:

Enter the percentage of your income that is withheld for 401k contributions each pay period (enter .05, as 5). Typically this amount cannot exceed $5,000 annually.

%
Other:Other BT ded:Other before tax deductions:Other before tax deductions, such as HSA:

Other before tax deductions:

Enter the total of any other before-tax deductions per pay period, such as contributions to a Health Savings Account, or a Flexible Savings Account.

$
After Tax Adjustments
& local tax pct:& local tax pct:& local tax percentage:& local income tax percentage:

State and local income tax percentage:

Enter the total percentage of your state and local income taxes (without the percent sign). If you don't know your state tax rate, select your state from the dropdown menu to display your state's tax brackets. If you've entered your gross pay the calculator will estimate your annual taxable earnings and then highlight your approximate bracket and rate (single filer). Or tap here to see a listing of all states.

%
Other:Other AT ded:Other after-tax deductions:Other after-tax deductions:

Other after-tax deductions:

Enter the total of any after-tax deductions, such as health insurance, dental plans, etc..

$
Reimb...:AT Reimburse:After-tax reimbursements:After-tax reimbursements:

After tax reimbursements:

Enter the total of any out-of-pocket expenses that your employer typically reimburses you for.

$
Withholding and Deductions
Gross:Gross pay:Gross pay:Gross wages for pay period:

Gross pay:

Gross pay as entered in the top of the form.

$0.00
Allow:Allowance:Allowance deduction:Allowance deduction:

Allowance deduction:

$0.00
Qual. plan:Qualified plan:Qualified plan deduction:Qualified plan deduction:

Qualified plan deduction:

Total contribution to a qualified retirement plan this pay period. This amount is deducted from your federal taxable wages, and it is deducted from your gross pay.

$0.00
Other BT:Other BT deduct:Other BT deductions:Other before tax deductions:

Other before tax deductions:

Total other before tax deductions for this pay period. This figure is deducted from your federal taxable wages and it is deducted from your gross pay.

$0.00
Fed taxable:Federal taxable:Federal taxable:Federal taxable wages:

Federal taxable wages:

This is your calculated federal taxable wages for this pay period, which is used only to determine your federal and state income tax withholding amounts.

$0.00

Federal tax withholding:

This figure is deducted from your federal taxable wages and it is deducted from your gross pay. If you would like to see how the calculator estimates the federal withholding result, tap here for an explanation along with the withholding tables.

$0.00
FICA SS:FICA SS wh:FICA SS withholding:FICA Social Security withholding:

FICA Social Security withholding:

$0.00
FICA MC:FICA MC wh:FICA Med withholding:FICA Medicare withholding:

FICA Medicare withholding:

$0.00
State whld:State withhold:State tax withholding:State and local income tax withholding:

State and local income tax withholding:

Based on your entered state tax percentage, this amount is your state income tax withholding for this pay period (state tax percent X federal taxable wages).

$0.00
Other AT:Other AT reduct:Other AT reductions:Other after tax reductions:

Other after tax reductions:

Total other after tax reductions as entered in the above form.

$0.00
Reimburse:Reimburse:Reimbursements:Reimbursements:

Reimbursements:

Total reimbursements as entered in the above section of this form. This amount is added to your net pay.

$0.00
Total net:Net with tips:Net pay with tips:Net pay including tips:

Net pay including tips:

This is your net pay before any claimed tips are removed (tips were already paid to you so they need to be backed out).

$0.00
Net pay:Net pay:Net take home pay:Net take home pay for pay period:

Net take home pay:

This is your take home pay after subtracting all deductions and any claimed tips from your gross pay, and then adding back any reimbursements entered.

$0.00

If you would like to save the current entries to the secure online database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Help and Tools

Learn

How to calculate your take home pay, plus a tip for increasing it.

How To Calculate Your Paycheck After Taxes

As you use the paycheck calculator or follow the instructions for how to calculate take-home pay, please keep in mind that the results are merely estimates. Whether you realize it or not, your actual net pay from your employer is merely an estimate as well. After all, if any unexpected income or tax-bracket related events occur between now and the end of the year (get a pay raise, lose your job, inherit assets, etc.), your actual income taxes will be different from from the amounts your employer is withholding.

In other words, estimating your withholding taxes is far from being an exact science. Your employer is simply following a mandatory withholding guide provided to them by the IRS. But even the IRS guide can't predict your future, so there's no way to know your exact tax liability prior to actually completing your federal and state income tax forms at the end of the year.

If you would like to calculate your net pay yourself, below you will find the steps used by the paycheck tax withholding calculator (your employer's method may be different). To further your understanding, I will use the following information as an example in the steps showing how to figure out net pay:

State:Minnesota
Filing status:Married
Pay frequency:Bi-weekly
Regular hourly wage:$25.00
Overtime rate (1.5 x reg rate):$37.50
Regular hours worked this period:80
Overtime hours worked this period:5
Step #1: Calculate Your Gross Wages

The gross wages for the example would be calculated as follows:

Gross Wages= ((regular hours x regular wage) + (overtime hours x overtime rate))
 = ((80 x $25.00) + (5 x $37.50))
 = ($2,000 + $187.50)
 = $2,187.50

For the purposes of looking up the tax bracket, we calculate the annual gross income based on the current pay period.

Annual Gross= current period gross wages x pay periods per year
 = $2,187.50 x 26
 = $56,875
Step #2: Calculate Your Taxable Wages

To calculate taxable annual wages, subtract the standard deduction from the yearly gross wages:

Annual Taxable Wages= annual gross wages - standard deduction
 = $56,875 - $12,200
 = $44,675

Note that if you have any tax-deferred amounts (401k, HSA, etc.) withheld from your paycheck, you will subtract those annualized amounts from your annual gross wages in this step as well.

Step #3: Calculate Your Federal Withholding

Find your tax bracket in the following tables based on your marital status and annual taxable wages. Your bracket will be the row where your taxable yearly wages first exceeds the "Excess over" amount.

2019 Federal Withholding Tables
SINGLE
Excess overWithholdPercent
$0.00$0.000%
$3,800.00$0.0010%
$13,500.00$970.0012%
$43,275.00$4,543.0022%
$88,000.00$14,382.5024%
$164,525.00$32,748.5032%
$207,900.00$46,628.5035%
$514,100.00$153,798.5037%


MARRIED
Excess overWithholdPercent
$0.00$0.000%
$11,800.00$0.0010%
$31,200.00$1,940.0012%
$90,750.00$9,086.0022%
$180,200.00$28,765.0024%
$333,250.00$65,497.0032%
$420,000.00$93,257.0035%
$624,150.00$164,709.5037%

Since, in our example, the person is married and has estimated annual taxable wages of $44,675, the following tax bracket will apply:

Excess overWithholdPercent
$31,200.00$1,940.0012%

You would then calculate your annual federal income taxes as follows:

Annual Fed Taxes= $1,940 + (12% of excess over $31,200)
 = $1,940 + (.12 x ($44,675 - $32,475))
 = $1,940 + (.12 x $13,475)
 = $1,940 + $1,617
 = $3,557

From there, you would calculate the federal withholding for the current period:

Current Federal Withholding= annual fed taxes ÷ pay periods per year
 = $3,557 ÷ 26
 = $136.81
Step #4: Calculate Your Social Security Withholding

The social security (SS) withholding would be equal to 6.2% of the example gross wages, which you would calculate as follows:

Current SS Withholding= annual gross wages x SS rate ÷ pay periods per year
 = $56,875 x .062 ÷ 26
 = $3,526.25 ÷ 26
 = $135.63
Step #5: Calculate Your Medicate Withholding

Your medicare withholding would be equal to 1.45% of your gross wages, which in our example would be calculated like this:

Current Medicare Withholding= annual gross wages x medicare rate ÷ pay periods per year
 = $56,875 x .0145 ÷ 26
= $824.69 ÷ 26
= $31.72
Step #6: Calculate Your State Withholding

Find the state tax bracket (popup window).

With federal taxable wages of $44,675, and the example person being from Minnesota, the state tax rate would be roughly 7.05%. Therefore the state tax withholding would be calculated as follows:

Current State Withholding= annual taxable wages x state tax rate ÷ pay periods per year
 = $44,675 x .0705 ÷ 26
 = $3,149.59 ÷ 26
 = $121.14
Step #7: Calculate Total Withholding

Based on the example, the total withholding would be the sum of all of the withholding amounts we previously calculated:

Federal Withholding:$136.81
SS Withholding:$135.63
Medicare Withholding:$31.72
State Withholding:$121.14
Total Withholding:$425.30

Note that if you have any after-tax paycheck withholding (health or dental insurance premiums, etc.), you will need to add them to the Total Withholding before calculating your net pay.

Step #8: Calculate Net Pay

To calculate net pay, subtract the total withholding for the pay period from the gross wages for the period. In our example, you would calculate your net pay as follows:

Gross wages:$2,187.50
- Total withholding:$425.30
= Net Pay:$1,762.20

Whew! Aren't you glad you found the calculator on this page to do all of the above calculating for you?

Estimate Taxes on Paycheck from Pay Stub

The following check stub calculator will calculate the percentage of taxes withheld from your paycheck, and then use those percentages to estimate your after-tax pay on a different gross wage amount. You can either enter the year-to-date (YTD) figures from your payslip, or for a single pay period.

Pay Stub Calculator
WithholdingPay StubNew Gross
Gross wages:
$
$
Federal:
$
Social security:
$
Medicare:
$
State:
$
Federal:5.33%$74.62
Social security:6.20%$86.80
Medicare:1.45%$20.30
State:6.19%$86.66
Total taxes:19.17%$268.38
After tax:$1,060.91$1,131.62

Secret Tip For Increasing Your Net Pay

Have you ever stopped to carefully consider who is ultimately responsible for how much you earn from each hour of work?

If you have given this serious thought, you will have come to understand that YOU are the one who has the final say in how much you profit from an hour of work.

Why?

Because your ultimate profit from one hour of work will depend on whether or not you spend the entire hour's net pay on expenditures that eventually lose all of their value.

What most people fail to realize, is that if they invest a portion of each hour's net pay, that one hour of work will continue to pay dividends for as long as they leave the net pay invested. And the greater the percentage invested, the greater the dividends.

"No big deal," you say? Calculate your net hourly pay and then read the eye-opening, customized text that follows the form.

Net pay:
Hours worked:
% invested: %
Invest years:
Invest return %: %
Hourly net pay:$0.00

If you spend the entire $0.00 on expenditures that eventually become worthless, you have limited your net pay for that one hour of work to just $0.00.

On the other hand, if you invest $0.00 (0%) of one hour's net pay for 0 years in an investment earning a 0% return, you will have increased your net pay from that one hour of work from $0.00 to $0.00.

That's an increase of $0.00 without working any harder or longer than you are now.

Why isn't anyone selling you on the benefits of saving? That's easy. There's no money in it for sellers when compared with other products and services they can sell you.

Adjust Calculator Width:

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".

Show/Hide Popup Keypads:

Select Show or Hide to show or hide the popup keypad icons located next to numeric entry fields. These are generally only needed for mobile devices that don't have decimal points in their numeric keypads. So if you are on a desktop, you may find the calculator to be more user-friendly and less cluttered without them.

Stick/Unstick Tools:

Select Stick or Unstick to stick or unstick the help and tools panel. Selecting "Stick" will keep the panel in view while scrolling the calculator vertically. If you find that annoying, select "Unstick" to keep the panel in a stationary position.

If the tools panel becomes "Unstuck" on its own, try clicking "Unstick" and then "Stick" to re-stick the panel.