About NetPayCalculator.app
What We Do
NetPayCalculator.app is a free take-home pay calculator that provides planning estimates for all 50 U.S. states plus Washington, D.C. The model estimates federal income tax, state income taxes, FICA (Social Security and Medicare), and supported payroll deductions from government publications and documented assumptions.
You can use the same inputs to estimate pay in different states, or check the itemized deductions against a job offer or pay stub.
Why We Built This
A paycheck number is hard to evaluate without knowing which tax year and deductions it uses. That is why the tool shows the selected inputs, individual tax lines, and source references.
Calculations use official IRS publications, Social Security Administration wage-base limits, and state or local government data. The result is an annualized planning estimate; employer withholding can differ because of Form W-4 elections, year-to-date wages, payroll timing, and rules outside the model.
Privacy-First Design
Calculations happen locally in your browser. Form values are not submitted to an application server for calculation or storage. Analytics is configured without URL query parameters so values in shared calculation links are not included in the page location reported during initialization.
When you choose to share a calculation link, selected values are encoded in its URL. That URL can be visible to recipients and may appear in browser history or hosting-provider request logs.
What We Support
- All 50 U.S. states plus Washington, D.C.
- Federal income tax withholding (2025 and 2026 tax years)
- State income tax for all states that have one
- Social Security and Medicare (FICA), including the modeled Social Security wage base
- New York City income tax and 28 selectable municipal or county jurisdictions
- Multiple filing statuses (Single, Married Filing Jointly, Head of Household)
- Pre-tax deductions (traditional 401(k)/403(b), HSA, and FSA) plus user-entered post-tax deductions
- Multiple pay frequencies (weekly, bi-weekly, semi-monthly, monthly)
Limitations
This is an annualized estimate for planning, not tax, legal, or accounting advice. Your employer's withholding may differ because of:
- Year-to-date earnings and withholding already paid
- Specific W-4 elections and adjustments
- Employer-specific payroll setup and timing
- Additional state or local rules not modeled here
For definitive guidance, consult with a qualified tax professional or your employer's HR department.
How we calculate the estimate
Review how the estimate is produced on the methodology page and follow the government references collected on the sources page.
Questions or Feedback?
Found a calculation error or have a suggestion? Use the contact page or feedback form.