Calculate My Salary

Take-home pay calculator by state

Example: “I make $220k in California single” or “$160k in Texas married 10% 401k.” Click a state to update the details.

U.S. Take-Home Map

Color is based on estimated monthly take-home pay.

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Free take-home pay calculator

Calculate take-home pay from salary, taxes, state, and 401(k)

Use Calculate My Salary to estimate what your annual salary becomes after federal income tax, payroll taxes, state income tax, and pretax retirement contributions. The calculator compares monthly and annual take-home pay across every U.S. state so you can see how location can change your after-tax salary.

How it works

Enter a plain-English salary scenario like "$160k in Texas, single, 8% 401k." The app estimates 2026 federal tax, Social Security, Medicare, and state income tax, then ranks each state by estimated take-home pay.

Best for salary planning

This tool is designed for annual salary after-tax estimates, relocation comparisons, and quick monthly take-home pay checks. It is not a substitute for payroll software, tax preparation, or advice from a tax professional.

What affects take-home pay

Gross salary, filing status, spouse income, retirement contributions, federal brackets, payroll taxes, and state tax rules all affect your estimated paycheck and monthly budget.

Take-home pay calculator FAQ

What is my take-home pay?

Take-home pay is the salary left after estimated federal income tax, state income tax, Social Security, Medicare, and pretax retirement contributions are subtracted from gross pay.

How do I calculate take-home pay from salary?

Enter your annual salary, state, filing status, spouse income if applicable, and 401(k) percentage. The calculator estimates annual and monthly take-home pay and compares the result across U.S. states.

Does this calculator include state taxes?

Yes. It estimates state income tax for all 50 states and shows how much your take-home salary may change by state. Local taxes, credits, deductions, and special residency rules may vary.

Is this the same as a paycheck calculator?

It is best for annual salary and monthly take-home pay estimates. A paycheck calculator may also need pay frequency, benefits, withholding elections, and employer-specific deductions.