How to Calculate Take-Home Pay (Net Salary)

Your gross salary is rarely what lands in your bank account. Federal income tax, Social Security, Medicare, state and local taxes, plus pre-tax deductions for 401(k), health insurance, and HSA all reduce your gross pay to net (take-home) pay. This guide walks through every deduction so you know exactly where your paycheck goes.

CalcPlanet – Free Online Calculators

725+ free calculators and 108 tools for math, money, health, and everyday life. Instant results, verified formulas, no sign-up.

· Reviewed against our Editorial Standards and Formula Sources.

CalcPlanet calculators are free, privacy-first, and formula-reviewed.

Editorial Standards · Formula Sources · Privacy · Terms · Contact