About this calculator
Job offers and pay stubs are usually quoted in gross pay, but what actually lands in your bank account is a smaller number after taxes, retirement contributions, and other deductions come out. This calculator gives you a quick, adjustable estimate of your net (take-home) pay per paycheck, based on your own effective deduction rate — useful for comparing two job offers or double-checking a pay stub, in whatever currency you're paid in.
How it works
Because tax brackets, withholdings, and payroll deductions differ by country, state or province, filing status, and benefits elected, this calculator intentionally doesn't try to replicate a full tax table. Instead, you enter your gross pay per period and your own estimated total deduction rate (taxes plus retirement plus insurance, as a percentage) — a figure you can pull from a recent pay stub — and it calculates your net pay and the total amount withheld. This keeps the estimate accurate to your actual situation rather than a generic national average that may not apply to you.
Worked example
On a $3,500 gross paycheck with an estimated 24% total deduction rate, take-home pay comes to $2,660 for that period, with $840 withheld. Paid biweekly (26 periods a year), that's roughly $91,000 estimated annual gross and $69,160 estimated annual take-home.
Formula cross-checked against: Investopedia — Gross Pay vs. Net Pay.
Frequently asked questions
Where do I find my deduction rate?
Look at a recent pay stub: divide the total taxes and deductions withheld by your gross pay for that period, then multiply by 100 — that percentage is a good personal estimate to plug in here.
Why doesn't this calculator ask for my state or filing status?
Tax rules vary enormously by country, state, and personal situation, and change from year to year. Rather than risk giving you an inaccurate number from an outdated tax table, this tool uses the deduction rate you already know applies to you.
Can I use this to compare two job offers?
Yes — if both offers list gross pay, use your current deduction rate as a starting estimate for both (adjusting slightly for a higher tax bracket if the raise is large) to compare take-home pay side by side.
Last reviewed: September 2026.