Free tool

Paycheck Calculator

See what actually hits your bank account after taxes, 401(k), and benefits — per paycheck and per year.

Your pay

Filing status

Estimate only. Uses simplified 2026-style federal brackets with the standard deduction ($15,000 single / $30,000 married) and 7.65% FICA. Your actual withholding will vary.

Take-home / paycheck
$2,265
Effective tax rate
22.6%
Annual take-home
$58,897

Where your gross salary goes

Take-home pay$58,897 (69.3%)
Federal income tax$8,796 (10.3%)
FICA (SS + Medicare)$6,503 (7.6%)
State income tax$3,905 (4.6%)
401(k) contribution$5,100 (6.0%)
Health insurance$1,800 (2.1%)

Your 401(k) isn't lost money — it's still yours, just invested pre-tax. Counting it, you keep 75.3% of your gross.

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