Net Pay From Gross Calculator

Enter Calculation

Gross Pay per Paycheck ($)

FICA Tax (%)

Federal Tax (%)

State Tax (%)

Other Deductions per Paycheck ($)

Results

Net Pay (Take-Home)

$1,357

per paycheck

Total Taxes Withheld	$493
Other Deductions	$150
Combined Tax Rate	24.65%
Take-Home Percentage	67.85%

What Is the Net Pay From Gross Calculator?

This calculator estimates your net (take-home) pay from your gross paycheck. It subtracts percentage-based tax withholding — FICA (Social Security + Medicare), federal income tax, and state income tax — plus any fixed dollar deductions such as health insurance premiums or retirement contributions. It works for any pay period (weekly, biweekly, semimonthly, or monthly): just enter the figures for a single paycheck. The percentage approach makes it useful in any country, though the default rates shown reflect typical US withholding.

How to Use It

Enter your gross pay for one paycheck. Then enter your tax rates as percentages — the default FICA of 7.65% combines 6.2% Social Security and 1.45% Medicare. Add your federal and state income tax rate estimates. Finally, enter the total of any other fixed deductions per paycheck. The calculator returns your net pay, the total taxes withheld, your combined tax rate, and the percentage of gross you keep.

The Formula Explained

The math is straightforward: $$\text{Net} = \text{Gross} - \left(\text{Gross} \times \frac{\text{FICA}+\text{Fed}+\text{State}}{100}\right) - \text{Deductions}$$ First the three tax percentages are added into one combined rate. That rate is applied to gross pay to find total tax dollars. Both the tax dollars and your fixed deductions are then subtracted from gross to leave net pay.

Gross pay is reduced by FICA, federal and state taxes plus deductions to give net take-home pay.

Worked Example

Suppose your gross paycheck is $2,000, with FICA 7.65%, federal 12%, and state 5% — a combined 24.65% rate. Taxes = $$2000 \times \frac{24.65}{100} = 493$$ With $150 in other deductions, net pay = $$2000 - 493 - 150 = 1357$$ You keep about 67.85% of gross.

A sample paycheck breakdown by net pay and each withholding category.

FAQ

Are these exact withholding amounts? No. Real federal/state taxes use brackets and allowances; this uses flat percentages for a quick estimate.

What is the FICA rate? For employees it is generally 7.65% (6.2% Social Security up to the wage cap + 1.45% Medicare).

Should I include 401(k) in deductions? Yes — enter pre-tax retirement, insurance, or other fixed amounts in the deductions field.