Free After-Tax Calculators: Take-Home Pay & More (2026)

All free. All 2026 rates. Find the right after-tax calculator for your situation — salary, hourly wages, state take-home pay, bonuses, investments, or retirement. No signup required.

Jump to: Start here · State paycheck calculators · Income & pay · Self-employment · Investments · Equity · Retirement · Life events · Canada

Not sure which calculator to use?

Most visitors need one of three things: how much a salary takes home, how their state affects their paycheck, or how an hourly rate converts to annual pay. These three tools cover the majority of those questions:

State paycheck calculators

State income tax ranges from 0% (Texas, Florida, Washington) to 13.3% top rate (California). On the same $100,000 salary, workers in Texas take home approximately $7,700 more per year than workers in California — entirely from state tax. Use your state's dedicated calculator for the most accurate results.

Dedicated state calculators

State comparison tools

Income & pay calculators

Convert between pay periods, estimate paychecks, compare salary vs hourly jobs, and see how raises or bonuses affect your net income.

Self-employment & side income

Freelancers and contractors pay both income tax and self-employment tax (15.3% on net earnings). These tools account for both.

Investments & asset sales

Capital gains, crypto, and property sales are taxed differently from regular income. These calculators estimate what you keep after tax on each asset type.

Equity & stock compensation

RSUs are taxed as ordinary income at vesting; stock options depend on the option type and timing of exercise. These tools estimate net proceeds after tax.

Retirement & inheritance

Withdrawals from traditional retirement accounts are taxed as ordinary income. Early withdrawals also incur a 10% penalty on top of income tax.

Relocation & life events

Major financial events — relocating to a new state, receiving a settlement, or comparing income across countries — each have tax implications that a standard paycheck calculator won't cover.

Canadian take-home pay calculators

Canadian federal + provincial tax calculators using 2026 brackets.

After-tax income guides

Not sure how taxes work? These plain-language guides explain the fundamentals:

Which calculator should I use?

Which calculator should I use to find my take-home pay?

Use the Salary Calculator for a full breakdown across all pay periods (annual, monthly, biweekly, weekly, hourly). Use the Take-Home Pay Calculator for a detailed line-by-line tax breakdown including FICA. For state-specific results, use the dedicated state paycheck calculator for your state.

I want to understand exactly what taxes come out of my paycheck.

Use the Take-Home Pay Calculator. It breaks down federal income tax, state income tax, Social Security, and Medicare as separate lines — so you see exactly what each layer costs. Works for all 50 states.

I want to compare take-home pay between two states.

Use the State Take-Home Pay Comparison Tool. Enter one salary and compare any two or three states side by side — useful for evaluating job offers or relocation decisions. For a full 50-state ranking, see best states for take-home pay.

Which calculator shows take-home pay by state?

The Take-Home Pay Calculator and Salary Calculator both include a state selector covering all 50 states. For state-specific detail — including hourly wage tables and biweekly estimates — use the dedicated state calculator pages for California, Texas, Florida, New York, and Washington.

What is $75,000 a year take-home pay?

On a $75,000 salary, take-home pay is approximately $59,500/year ($4,958/month) in Texas or Florida (no state income tax), or approximately $54,800/year ($4,567/month) in California. The $4,700 annual difference is entirely from state income tax. Use the Take-Home Pay Calculator with your state selected for your exact figure.

Are all these calculators free?

Yes. Every calculator on After Tax Tools is completely free with no account required.