Net Salary Calculator
Estimate take-home pay from gross salary and a flat deduction rate.
Take-home pay is what actually lands in your bank account after taxes and other deductions — usually noticeably less than the gross salary in a job offer. This gives you a fast estimate using a single effective deduction rate.
Why this is a simplified estimate
Real payroll deductions involve progressive tax brackets, standard deductions, pre-tax benefits (401k, health insurance), and payroll taxes like Social Security and Medicare — all of which vary by income level, filing status, state, and elections you make with your employer. A single flat percentage can't capture that precisely, but it's a reasonable ballpark for comparing job offers quickly.
For a more accurate breakdown
Our Income Tax Calculator applies real progressive federal brackets rather than one flat rate, which gets you closer to an accurate number — though neither tool replaces an actual paycheck estimate from your employer or a tax professional, since state taxes and personal deductions still aren't factored in.
Frequently asked questions
What's a typical effective tax + deduction rate?
It varies widely by income and location, but many US earners see roughly 20-30% of gross pay go to combined federal tax, state tax, and payroll taxes — higher earners and high-tax states trend toward the upper end.
Why is my actual paycheck different from this estimate?
Pre-tax deductions (401k contributions, health insurance premiums) reduce your taxable income before tax is even calculated, and your specific tax bracket and filing status change your real effective rate — this tool can't account for your individual elections.