What is my take-home pay?
Take-home pay is the salary left after estimated federal income tax, state income tax, Social Security, Medicare, and pretax retirement contributions are subtracted from gross pay.
Calculate My Salary
Take-home pay calculator by state
U.S. Take-Home Map
Color is based on estimated monthly take-home pay.
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Free take-home pay calculator
Calculate take-home pay from salary, taxes, state, and 401(k)
Use Calculate My Salary to estimate what your annual salary becomes after federal income tax, payroll taxes, state income tax, and pretax retirement contributions. The calculator compares monthly and annual take-home pay across every U.S. state so you can see how location can change your after-tax salary.
How it works
Enter a plain-English salary scenario like "$160k in Texas, single, 8% 401k." The app estimates 2026 federal tax, Social Security, Medicare, and state income tax, then ranks each state by estimated take-home pay.
Best for salary planning
This tool is designed for annual salary after-tax estimates, relocation comparisons, and quick monthly take-home pay checks. It is not a substitute for payroll software, tax preparation, or advice from a tax professional.
What affects take-home pay
Gross salary, filing status, spouse income, retirement contributions, federal brackets, payroll taxes, and state tax rules all affect your estimated paycheck and monthly budget.
State salary calculators
Compare take-home pay in every state
Open a state-specific calculator page for salary after-tax estimates, state tax notes, and official government tax sources.
Alabama salary calculator4.5% simplified state-tax estimateAlaska salary calculator0% state income-tax estimateArizona salary calculator2.5% simplified state-tax estimateArkansas salary calculator4.7% simplified state-tax estimateCalifornia salary calculator8.5% simplified state-tax estimateColorado salary calculator4.4% simplified state-tax estimateConnecticut salary calculator5.5% simplified state-tax estimateDelaware salary calculator5.2% simplified state-tax estimateFlorida salary calculator0% state income-tax estimateGeorgia salary calculator5.2% simplified state-tax estimateHawaii salary calculator7.5% simplified state-tax estimateIdaho salary calculator5.8% simplified state-tax estimateIllinois salary calculator5% simplified state-tax estimateIndiana salary calculator3.2% simplified state-tax estimateIowa salary calculator4.5% simplified state-tax estimateKansas salary calculator5.2% simplified state-tax estimateKentucky salary calculator4.5% simplified state-tax estimateLouisiana salary calculator4.2% simplified state-tax estimateMaine salary calculator6.8% simplified state-tax estimateMaryland salary calculator5.8% simplified state-tax estimateMassachusetts salary calculator5% simplified state-tax estimateMichigan salary calculator4.3% simplified state-tax estimateMinnesota salary calculator7.6% simplified state-tax estimateMississippi salary calculator4.7% simplified state-tax estimateMissouri salary calculator4.5% simplified state-tax estimateMontana salary calculator5.9% simplified state-tax estimateNebraska salary calculator5.8% simplified state-tax estimateNevada salary calculator0% state income-tax estimateNew Hampshire salary calculator0% state income-tax estimateNew Jersey salary calculator6.3% simplified state-tax estimateNew Mexico salary calculator4.7% simplified state-tax estimateNew York salary calculator6.7% simplified state-tax estimateNorth Carolina salary calculator4.5% simplified state-tax estimateNorth Dakota salary calculator2.5% simplified state-tax estimateOhio salary calculator3.6% simplified state-tax estimateOklahoma salary calculator4% simplified state-tax estimateOregon salary calculator7.7% simplified state-tax estimatePennsylvania salary calculator3.1% simplified state-tax estimateRhode Island salary calculator5.8% simplified state-tax estimateSouth Carolina salary calculator5.3% simplified state-tax estimateSouth Dakota salary calculator0% state income-tax estimateTennessee salary calculator0% state income-tax estimateTexas salary calculator0% state income-tax estimateUtah salary calculator4.7% simplified state-tax estimateVermont salary calculator6.8% simplified state-tax estimateVirginia salary calculator5.8% simplified state-tax estimateWashington salary calculator0% state income-tax estimateWest Virginia salary calculator4.8% simplified state-tax estimateWisconsin salary calculator5.8% simplified state-tax estimateWyoming salary calculator0% state income-tax estimate
Take-home pay calculator FAQ
How do I calculate take-home pay from salary?
Enter your annual salary, state, filing status, spouse income if applicable, and 401(k) percentage. The calculator estimates annual and monthly take-home pay and compares the result across U.S. states.
Does this calculator include state taxes?
Yes. It estimates state income tax for all 50 states and shows how much your take-home salary may change by state. Local taxes, credits, deductions, and special residency rules may vary.
Is this the same as a paycheck calculator?
It is best for annual salary and monthly take-home pay estimates. A paycheck calculator may also need pay frequency, benefits, withholding elections, and employer-specific deductions.