Net Pay Calculator

ANA›Life Services Authority›National Calculator Authority›Net Pay Calculator

.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }

Net Pay Calculator

Estimate your take-home pay after federal income tax, FICA (Social Security & Medicare), and optional state income tax deductions.

Gross Pay per Period ($)

Pay Period

Weekly (52x/year) Bi-Weekly (26x/year) Semi-Monthly (24x/year) Monthly (12x/year) Annually (1x/year)

Federal Filing Status

Single / Married Filing Separately Married Filing Jointly Head of Household

Federal Withholding Allowances (W-4)

Pre-Tax Deductions per Period ($) (401k, HSA, etc.)

Post-Tax Deductions per Period ($) (Roth, garnishments, etc.)

State Income Tax Rate (%) (0 if no state tax)

Additional Federal Withholding per Period ($)

Calculate Net Pay

### Pay Breakdown

function netCalc() { var errEl = document.getElementById('net-error'); var resEl = document.getElementById('net-result'); errEl.style.display = 'none'; resEl.style.display = 'none';

var grossPer = parseFloat(document.getElementById('net-gross-pay').value); var periods = parseInt(document.getElementById('net-pay-period').value); var filing = document.getElementById('net-filing-status').value; var allowances = parseInt(document.getElementById('net-allowances').value) || 0; var preTax = parseFloat(document.getElementById('net-pre-tax').value) || 0; var postTax = parseFloat(document.getElementById('net-post-tax').value) || 0; var stateRate = parseFloat(document.getElementById('net-state-rate').value) || 0; var addlFed = parseFloat(document.getElementById('net-additional-fed').value) || 0;

// --- Validation --- if (isNaN(grossPer) || grossPer = 0).'; errEl.style.display = 'block'; return; } if (preTax 20) { errEl.textContent = 'State tax rate must be between 0% and 20%.'; errEl.style.display = 'block'; return; } if (preTax >= grossPer && grossPer > 0) { errEl.textContent = 'Pre-tax deductions cannot exceed gross pay.'; errEl.style.display = 'block'; return; }

// --- Annualise --- var grossAnnual = grossPer * periods;

// --- FICA (2024 rates) --- // Social Security: 6.2% on wages up to $168,600 var ssTaxableAnnual = Math.min(grossAnnual, 168600); var ssAnnual = ssTaxableAnnual * 0.062; var ssPer = ssAnnual / periods;

// Medicare: 1.45% on all wages + 0.9% Additional Medicare on wages > $200k (single) / $250k (MFJ) var addlMedThreshold = (filing === 'married') ? 250000 : 200000; var medicareAnnual = grossAnnual * 0.0145; if (grossAnnual > addlMedThreshold) { medicareAnnual += (grossAnnual - addlMedThreshold) * 0.009; } var medicarePer = medicareAnnual / periods;

// --- Federal Income Tax (2024 IRS Publication 15-T Percentage Method) --- // Allowance value per period var allowanceValueAnnual = 4300; // 2024 value per allowance (annual) var allowanceValuePer = allowanceValueAnnual / periods;

// Taxable wages for federal withholding var fedTaxableWages = Math.max(0, grossPer - preTax - (allowances * allowanceValuePer));

// Annualise taxable wages for bracket lookup var fedTaxableAnnual = fedTaxableWages * periods;

// 2024 Federal Tax Brackets (taxable income after standard deduction already removed via allowances) // Using Annualised Wage Method brackets var brackets = { single: [ [11600, 0.10, 0], [44725, 0.12, 1160], [95375, 0.22, 5147], [100525, 0.24, 16290], [191950, 0.32, 37104], [243725, 0.35, 52832], [Infinity, 0.37, 70945] ], married: [ [23200, 0.10, 0], [89450, 0.12, 2320], [190750, 0.22, 10294], [201050, 0.24, 32580], [383900, 0.32, 74208], [487450, 0.35, 105664], [Infinity, 0.37, 141257] ], hoh: [ [16550, 0.10, 0], [63100, 0.12, 1655], [100500, 0.22, 7241], [129600, 0.24, 15469], [191950, 0.32, 22490], [243700, 0.35, 42433], [Infinity, 0.37, 60562] ] };

function calcFedTax(annualTaxable, status) { var b = brackets[status]; var tax = 0; var prev = 0; for (var i = 0; i 0 ? (fedTaxPer / grossPer) * 100 : 0; var effectiveTotalRate = grossPer > 0 ? (totalDeductions / grossPer) * 100 : 0;

// --- Render --- function fmt(n) { return '$' + n.toFixed(2).replace(/\B(?=(\d{3})+(?!\d))/g, ','); } function fmtPct(n) { return n.toFixed(2) + '%'; }

var rows = [ ['Gross Pay', fmt(grossPer), fmt(grossAnnual), ''], ['Pre-Tax Deductions', '- ' + fmt(preTax), '- ' + fmt(preTax * periods), ''], ['Federal Taxable Wages', fmt(fedTaxableWages), fmt(fedTaxableAnnual), ''], ['Federal Income Tax', '- ' + fmt(fedTaxPer), '- ' + fmt(fedTaxPer * periods), 'Effective: ' + fmtPct(effectiveFedRate)], ['Social Security (6.2%)', '- ' + fmt(ssPer), '- ' + fmt(ssAnnual), 'Up to $168,600/yr'], ['Medicare (1.45% + 0.9% if > threshold)', '- ' + fmt(medicarePer), '- ' + fmt(medicareAnnual), ''], ['State Income Tax (' + stateRate.toFixed(2) + '%)', '- ' + fmt(stateTaxPer), '- ' + fmt(stateTaxPer * periods), ''], ['Post-Tax Deductions', '- ' + fmt(postTax), '- ' + fmt(postTax * periods), ''], ['Total Deductions', '- ' + fmt(totalDeductions), '- ' + fmt(totalDeductions * periods), 'Effective: ' + fmtPct(effectiveTotalRate)], ];

var html = '' + 'Item' + 'Per Period' + 'Annual' + 'Note';

rows.forEach(function(r) { html += '' + '' + r[0] + '' + '' + r[1] + '' + '' + r[2] + '' + '' + r[3] + '' + ''; });

html += '' + '✓ Net Pay (Take-Home)' + '' + fmt(netPer) + '' + '' + fmt(netAnnual) + '' + '';

document.getElementById('net-breakdown').innerHTML = html; resEl.style.display = 'block'; }

#### Formulas Used

Federal Taxable Wages (per period) = Gross Pay − Pre-Tax Deductions − (Allowances × $4,300 / Pay Periods)

Federal Income Tax (per period) = Annualised Wage Method tax from 2024 IRS Pub 15-T brackets ÷ Pay Periods + Additional Withholding Brackets (Single): 10% ≤$11,600 | 12% ≤$44,725 | 22% ≤$95,375 | 24% ≤$100,525 | 32% ≤$191,950 | 35% ≤$243,725 | 37% above

Social Security Tax = min(Annual Gross, $168,600) × 6.2% ÷ Pay Periods

Medicare Tax = Annual Gross × 1.45% + max(0, Annual Gross − Threshold) × 0.9% ÷ Pay Periods (Threshold: $200,000 Single / $250,000 MFJ)

State Income Tax (per period) = (Gross Pay − Pre-Tax Deductions) × State Rate %

Net Pay (per period) = Gross Pay − Federal Tax − Social Security − Medicare − State Tax − Pre-Tax Deductions − Post-Tax Deductions

#### Assumptions & References

More Calculators

References

Related Authorities

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