After-Tax Income Calculator
Estimate how much income remains after federal tax, state tax, FICA, and payroll deductions.
About this tool
Use this after-tax income calculator to estimate real take-home income from salary, wages, or a job offer after the major US tax and payroll deductions.
How to use it
Quick steps to get the most out of this utility.
- 1
Enter income
Use annual salary or per-pay-period earnings.
- 2
Set filing details
Choose filing status, state, and pay frequency.
- 3
Add deductions
Include 401(k), health insurance, HSA, and other payroll deductions.
- 4
Read after-tax income
Use the final amount for budgeting and offer comparison.
Frequently asked questions
What is after-tax income?+
After-tax income is income left after tax withholding and payroll deductions. It is the money available for spending, saving, and investing.
Is after-tax income the same as net pay?+
Usually yes in paycheck planning, though net pay can also include deductions that are not taxes, such as health insurance or retirement contributions.
Can I compare job offers with this?+
Yes. Run each salary with the correct state, benefits, and deductions to compare realistic take-home pay.
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More views of the same calculator
Open main calculator →Same underlying engine, written for different use cases. Pick the angle that matches your situation.