INCOME · ON YOUR DEVICE
Salary paycheck calculator
Enter your gross salary, your own tax rates and deductions. See what lands in your account each pay period.
EXAMPLE ESTIMATE
Your estimate
Enter your values and select Calculate.
Estimates use your assumptions. Calculations use unrounded values; displayed figures are rounded.
HOW IT WORKS
A useful estimate starts with clear inputs.
- Step 1
Enter your gross yearly pay and how many pay periods you have each year.
- Step 2
Add your own tax rates, any pre-tax saving and other deductions taken from each paycheck.
- Step 3
Calculate to see take-home pay per paycheck, month, week and hour, and where the rest goes.
With 0% tax, 0% payroll tax and no deductions, a 52,000 salary paid every two weeks (26 periods) gives 2,000 per paycheck.
Calculation assumptions and limits
Flat rates that you enter. Income tax is applied to pay after the pre-tax saving; payroll tax is applied to full gross pay. Real tax systems use brackets, allowances and credits, so use your own effective rate from a payslip or your tax authority’s estimator. Bonuses, overtime, benefits in kind and state or local taxes are excluded unless you include them in the rates.
Can I use this with my local currency?
Yes. All inputs in one calculation must use the same currency. The currency selector changes number formatting and labels; it does not look up exchange rates or convert your amounts. Local loan rules and products may calculate costs differently.
Are my numbers saved?
No. Your inputs and results stay in this page’s memory. Reloading or leaving clears them. Download the CSV or print the result if you want a copy.
Learn more: IRS: Tax Withholding Estimator. WORDMIO calculates locally using the assumptions above.
See what you really take home from a salary
Enter a gross yearly salary and how many times a year you are paid. Then add your own income tax rate, payroll or social insurance rate, any pre-tax retirement saving and other deductions. The calculator shows take-home pay per paycheck, per month, per week and per hour.
It uses flat rates that you choose, so it works for any country. Use the effective rate from a recent payslip for the closest result. It is a planning tool for comparing offers and budgeting, not a payroll or tax filing system.
Free to use. No sign-up required.
How to use this tool
- Enter your gross yearly salary and the number of pay periods in a year.
- Add your income tax rate, payroll tax rate, pre-tax retirement saving and other deductions.
- Calculate and read take-home pay per paycheck, month, week and hour.
A practical example
With 0% tax, 0% payroll tax and no deductions, a 52,000 salary paid every two weeks gives 2,000 per paycheck.
Before you finish
Rates are flat estimates. Compare the result with a recent payslip and adjust the rates until it matches.
Gross pay, net pay and what sits in between
Gross pay is the amount in your contract. Net pay, or take-home pay, is what reaches your bank account after tax and deductions. The calculator shows the steps in between: a pre-tax retirement contribution reduces the pay that income tax is charged on, then income tax, payroll or social insurance tax and other deductions are taken off.
Choosing realistic tax rates
Using your top tax bracket will understate take-home pay, and using a tiny rate will overstate it. The most reliable number is your effective rate: the tax on a recent payslip divided by gross pay for that period. Run the calculator with that rate and check that the result is close to your real net pay. If it is not, adjust the rate until it matches, then reuse it to compare raises or offers.
Comparing a raise or a new job
A raise is taxed at your marginal rate, which is often higher than your effective rate. To compare fairly, run the old and the new salary with the same deductions and look at the difference in take-home pay per month. Then use the budget planner to see what the extra amount changes in practice.
What this calculator does not do
It does not apply tax brackets, allowances, credits, student loan repayments or local taxes unless you include them in the rates you enter. It is meant for planning, not for filing a return or checking a payroll system.
Frequently asked questions
Is this calculator specific to one country?
No. It applies the flat percentages you enter, so you can model any country. It does not include tax brackets, allowances or credits, which differ by place.
How do I find my effective tax rate?
Divide the income tax shown on a recent payslip by your gross pay for that period. Many tax authorities also publish withholding estimators that show an effective rate.
What does a pre-tax retirement contribution do here?
It is taken from gross pay before income tax is calculated, so it lowers the income that is taxed. Payroll taxes are still applied to the full gross pay in this calculator.
Why is my real paycheck different?
Real payroll systems use brackets, tax-free allowances, benefits and rounding rules. Bonuses and overtime can also be taxed at different rates, so compare the result with a payslip.
Can I use it to compare two job offers?
Yes. Run each salary with the same tax rates and deductions, then compare the take-home figures. Remember that benefits and commuting costs also affect the real difference.
Does it work for hourly pay?
Enter your expected yearly gross pay, which is the hourly rate times hours per week times 52. The result also shows take-home pay per hour.