Turn gross pay into the real number.
Estimate what reaches your bank account after federal tax, payroll taxes, state tax, and paycheck deductions.
Start with how you get paid.
Enter a salary or hourly rate, then add the taxes and deductions that shape your actual deposit.
ESTIMATED TAKE-HOME PER PAYCHECK
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Where this paycheck goes
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Take-homeFederalFICAState/localDeductions
Paycheck breakdown
ITEMPER PAYCHECKPER YEAR
Planning estimate: Federal income tax uses 2026 brackets and the standard deduction, not the IRS payroll-withholding worksheets. State rules, W-4 choices, benefit tax treatment, bonuses, and multiple jobs can change the real deposit.