Budgeting

Paycheck & take-home calculator

For W-2 employees: estimate what actually lands in your account after federal income tax, Social Security and Medicare, and pre-tax deductions. Uses 2026 federal figures.

Gross salary (per year)

Filing status401(k) contribution

Pre-tax; lowers income tax (not FICA).Health premium / yr

Pre-tax; lowers both income tax and FICA.State income tax

Rough flat estimate; 0 for no-tax states.Show pay

Take-home per paycheck

$2,169

Bi-weekly

Take-home per year

$56,394

Effective tax rate

15.6%

Taxes ÷ gross

Gross salary$75,000

− 401(k) (pre-tax)$4,500

− Health premium$2,400

− Federal income tax$6,152

− Social Security$4,501

− Medicare$1,053

Annual take-home$56,394

Put your take-home to work

Once you know your real monthly number, a budgeting app helps every dollar land where you intend it to.

Estimate using 2026 federal figures and the standard deduction; state tax is a flat approximation and local taxes aren’t included. Not tax advice.