Gross to Net Pay Calculator

Your gross pay is what you earn; your net pay is what you take home after taxes and deductions. This calculator breaks down each deduction — federal income tax, state income tax, FICA (Social Security and Medicare), and other pre-tax deductions — so you know exactly where every dollar of your paycheck goes.

Enter Your Measurements

Gross Pay (Per Period)($)

Federal Income Tax Rate(%)

State Income Tax Rate(%)

FICA Rate (Social Security + Medicare)(%)

Other Deductions (401k, Health, etc.)($)

Results

Net (Take-Home) Pay

3,067.50

Federal Income Tax

1,100.00

State Income Tax

250.00

FICA (SS + Medicare)

382.50

Formula

Net Pay = Gross Pay − Federal Tax − State Tax − FICA − Other Deductions Each tax = Gross Pay × Tax Rate

How to Use This Calculator

How to Use

1
Enter your gross pay for the pay period (weekly, bi-weekly, monthly, etc.).
2
Enter your federal and state income tax rates (use your marginal rates as an estimate).
3
The FICA rate defaults to 7.65% (6.2% Social Security + 1.45% Medicare).
4
Enter any pre-tax deductions like 401(k) contributions or health insurance premiums.

Frequently Asked Questions

What is FICA?

FICA (Federal Insurance Contributions Act) consists of 6.2% for Social Security (on income up to the wage base) and 1.45% for Medicare, totaling 7.65% for employees. Employers match this amount.

Why is my actual net pay different from this calculator?

This calculator uses flat rates for simplicity. Actual withholding depends on your W-4 allowances, employer-specific payroll calculations, and pre-tax benefits. Use your pay stub rates for more accurate results.

Are 401(k) contributions pre-tax or post-tax?

Traditional 401(k) contributions are pre-tax, reducing your taxable gross income. Roth 401(k) contributions are post-tax. Enter traditional contributions in the 'Other Deductions' field for a more accurate federal tax calculation.

In-Depth Guides

📖

Gross Pay vs Net Pay: What's Taken Out of Your Paycheck

Understand what's deducted from your paycheck — federal taxes, FICA, state taxes, pre-tax benefits — and how to read your pay stub and adjust your W-4.

📖

Freelancer and Self-Employed Tax Guide 2026

Understand self-employment taxes, quarterly estimated payments, deductions, and retirement account options for freelancers.

📖

Tax Withholding Guide: How W-4 Allowances Work and How to Adjust Them

How federal income tax withholding works, how to fill out a W-4 correctly, and how to adjust withholding so you're not over- or under-paying throughout the year.

Related Calculators

Federal Income Tax Calculator 2026

Effective Tax Rate Calculator

Monthly Budget Calculator

About This Calculator

This calculator uses the formula: Net Pay = Gross Pay − Federal Tax − State Tax − FICA − Other Deductions Each tax = Gross Pay × Tax Rate. All calculations follow industry-standard methods. Results are estimates — always verify with a licensed professional for structural or code-compliant work.

Built and maintained by the CalcSmart team. Last updated March 2026.

▶Embed this calculator on your website

Copy and paste this code into your page:

<iframe src="https://calcsmart.io/embed/gross-to-net-pay-calculator" width="100%" height="520" frameborder="0" style="border-radius:8px;border:1px solid #e5e7eb" title="Gross to Net Pay Calculator"></iframe>

Free to embed. Attribution link included automatically.