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Gross → net · 2026

Net Pay Calculator

Turn gross pay into net pay. Enter your salary or hourly rate and state, and see exactly what remains after taxes and deductions on every paycheck.
Gross to netState switcher401(k) & benefitsPer paycheck / month / year

Your pay

$
$20k$100k$200k$300k$400k
Pay frequency
Federal filing status
Federal W-42020+ form
$
$
$
$
California DE 4Single · 1 allowance
$
Pre-tax deductions401(k), HSA, health insurance
Traditional 401(k)0% · $0.00/check
$

CA still taxes HSA money.

$
$
After-tax deductionsRoth 401(k), union dues, garnishments
Roth 401(k)0%
$
Estimated take-home pay
$2,442.14

per paycheck · every 2 weeks · from $3,269.23 gross

Planning estimate using the inputs shown. Income tax withholding is a prepayment, not your final tax bill or refund. Payroll settings, benefits and year-to-date wages can change your check. Methodology & 2026 sources.

Take-home payFederal income taxSocial SecurityMedicareCalifornia income taxCA SDI
75¢
of every dollar you earn reaches your bank
Paycheck breakdown
Gross pay$3,269.23
Federal income tax−$379.62
Social Security−$202.69
Medicare−$47.40
California income tax−$154.88
CA SDI−$42.50
Take-home$2,442.14
Where each $100 goesannual totals
Take-home pay $74.70Federal $11.61Social Security $6.20Medicare $1.45California $4.74CA SDI $1.30
Effective rate
all taxes ÷ gross
25.3%
Marginal rate
you keep $588 of a $1k raise
41.2%
Taxes per year
$1,792 a month
$21,505

What if you got a raise?

+5%

A 5% raise to $89,250 adds $96.13 to each every 2 weeks paycheck — $2,500 a year after tax (59% of the raise).

401(k) tip

Saving 5% ($163.46) only lowers your check by $110.77 — taxes cover the rest.

Same pay in Texas

You'd take home $197.38 more per paycheck ($5,132/yr). Compare →

California paycheck taxes in 2026

Full California calculator & guide →

California withholds state income tax and SDI on top of federal taxes.

TaxRateApplies to
Federal income tax10% – 37%W-4 + IRS Pub 15-T percentage method
Social Security6.2%First $184,500 of wages
Medicare1.45% (+0.9% over $200,000)All wages
California income tax1.1% – 14.63% (withholding tables)EDD Method B, DE 4 allowances
CA SDI1.3%All wages, no cap
  • HSA contributions are taxable for California.
  • Bonuses: 10.23% flat CA withholding.

Gross pay vs. net pay

Gross pay is what you earn before anything is taken out — your salary divided by pay periods, or your hours times your rate. Net pay is what lands in your bank account after taxes and deductions.

The net pay formula

Net pay = gross pay − pre-tax deductions − federal income tax − Social Security − Medicare − state and local taxes − after-tax deductions.

Most people keep roughly 65–80% of gross pay. Where you land depends on your income, your state (from 0% state tax in Texas or Florida to income tax plus disability and paid-leave premiums in California or New York City) and how much you put into pre-tax benefits.

Related: take-home pay calculator · hourly to salary · overtime calculator.

Frequently asked questions

What is net pay?+

Net pay is your take-home pay: gross pay minus taxes (federal, FICA, state, local) and deductions (401(k), insurance and others).

How do I calculate net pay from gross?+

Subtract pre-tax deductions, then withholding taxes, then after-tax deductions from your gross pay. This calculator does it with the 2026 IRS and state withholding tables.

Is net pay the same as take-home pay?+

Yes — net pay and take-home pay mean the same thing.

Why is my net pay different from last year?+

Tax tables, the Social Security wage base and benefit premiums change every January, and your W-4, raise or benefit elections may have changed too.