Paycheck Tax Estimator
Estimate your take-home pay from a single paycheck. Enter your pay frequency, pre-tax contributions (401(k), HSA, etc.), and withholding rates to see how much actually lands in your bank account and what your annualized numbers look like.
Income & Pay Frequency
Pre-Tax Contributions
Quick presets:
Taxes & After-Tax Deductions
This tool uses simple percentage-based withholding for a quick estimate. Actual payroll calculations use IRS tables, FICA caps, and state-specific rules, so your real paycheck will vary.
Per-Paycheck Breakdown
Gross pay$3,000
Pre-tax contributions-$0
Taxable wages$3,000
Federal withholding-$360
State & local withholding-$120
FICA (SS + Medicare)-$230
After-tax deductions-$0
Total taken out-$710
Estimated Take-Home
$2,291
You keep approximately 76.3% of your gross each paycheck.
Annualized View
Pay periods per year26
Annual gross income$78,000
Annual pre-tax contributions-$0
Annual taxes (Fed + state + FICA)-$18,447
Annual after-tax deductions-$0
Estimated annual take-home$59,553
Approx. monthly take-home$4,963
Effective tax rate (on gross)23.7%
Pre-tax savings rate0%
Quick Summary
- • For each biweekly paycheck, you take home $2,291 after taxes and deductions.
- • At this pace, your estimated annual take-home pay is $59,553, or roughly $4,963 per month.
- • You're sending about 23.6% of your gross pay to taxes and 0.0% into pre-tax savings.