Know exactly what
you take home
79 free US calculators for paychecks, mortgages, savings, investments and taxes — including take-home pay for all 50 states, with the local city and county taxes most tools ignore.
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Take-home per paycheck
$2,368
Paycheck calculator for every state
See exactly what lands in your account after federal tax, Social Security, Medicare and your state's income tax — including the local city and county taxes most calculators ignore.
Calculate your take-home payThe same salary, 51 states
A $75,000 salary is worth $6,439 more in Florida than Oregon
Same gross pay, same federal tax, same filing status — the difference is entirely state income tax and state payroll programmes. Figures are annual take-home for a single filer in 2026, calculated with the same engine as the calculators themselves.
Take-home after federal income tax, Social Security, Medicare, state income tax and state payroll programmes. Excludes local city and county taxes, which apply in 11 states. See all 51 states →
51 states
rates checked against state revenue sources
How the numbers are worked out
Modelled from the withholding rules, not a flat percentage
A payslip is four separate calculations stacked on top of each other, each with its own base and its own exceptions. Averaging them produces a number that looks plausible and is quietly wrong.
- 01
Federal tax on taxable income, not gross
Your standard deduction comes off first, then the seven federal brackets apply to what's left — not to your whole salary. Most quick estimates get this wrong and overstate the bill.
- 02
FICA on a different base entirely
Social Security stops at the $184,500 wage base; Medicare never stops and adds a surtax on high earners. Neither is reduced by your 401(k).
- 03
State rules that actually differ
Pennsylvania taxes 401(k) contributions where Illinois doesn't. Washington withholds two payroll premiums despite having no income tax. These are modelled per state, not averaged.
- 04
The local taxes most tools skip
Ohio cities, Pennsylvania municipalities and every Maryland county levy their own income tax. Leaving them out can overstate take-home pay by more than a thousand dollars a year.
Local income taxes are modelled for the 11 states where cities or counties levy them. All figures use 2026 rates.
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Mortgage
Payments, refinance & affordability
- Mortgage Calculator
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Credit Cards & Debt
Payoff, consolidation & interest
- Credit Card Payoff Calculator
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The tools people reach for most.
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Project your retirement savings and whether they'll last through retirement.
Open calculatorSalary Calculator
Convert salary to take-home pay across hourly, weekly, monthly and yearly.
Open calculatorHourly Paycheck Calculator
Calculate take-home pay from an hourly wage after taxes and FICA.
Open calculatorGuides
The reasoning behind the numbers
5 min read
What Is Dollar-Cost Averaging? (And Why It Works)
Investing a fixed amount on a regular schedule removes the stress of timing the market — and quietly does most of the work for you. Here's how it works.
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How Much Rent Can I Afford?
The 30% rule is a good starting point, but your debts and other costs change the answer. Here's how to set a rent budget that won't stretch you thin.
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How to Stop Wasting Money on Subscriptions
Most people underestimate their subscription spending by 2–3×, and pay for services they've forgotten. Here's how to find the leaks and plug them.
6 min read
How to Analyze a Rental Property (Before You Buy)
Three numbers tell you whether a rental is a good deal: cap rate, cash flow, and cash-on-cash return. Here's what each means and how to use them together.
6 min read
What Is the FIRE Movement? A Beginner's Guide to Retiring Early
FIRE — Financial Independence, Retire Early — turns retirement from an age into a number. Here's how it works, the different flavors, and how to find your number.
Methodology
Every rate traces back to a primary source
No averaged percentages and no hard-coded guesses. Each state page links to that state's own revenue department so you can check the figure yourself — and where a rate hasn't been individually verified, the page says so next to the result rather than presenting it as fact.
See the full state rate table- Internal Revenue Service2026 federal brackets, standard deduction, additional Medicare threshold
- Social Security AdministrationTaxable wage base — $184,500 for 2026
- State revenue departmentsIncome tax rates, brackets, standard deductions and local piggyback taxes
- State labour agenciesPaid family leave, disability and unemployment employee premiums
51 of 51
states individually verified
The rest are flagged in-product as unverified, next to the result.
4 layers
modelled separately
Federal, FICA, state and local — each with its own base and exceptions.
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Calculators are for educational purposes only and do not constitute financial advice. Read our disclaimer.