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

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:

• Salary Calculator — annual, monthly, biweekly, weekly, daily & hourly Enter any salary or hourly wage → see all pay periods at once, plus after-tax by state. Start here if you want the complete picture.
• Take-Home Pay Calculator — full tax breakdown by state Shows every deduction line by line: federal tax, state tax, Social Security, Medicare. All 50 states. Use this if you want to understand exactly what's being taken out.
• US Hourly Paycheck Tax Calculator — fast hourly estimate Enter hourly wage → weekly, biweekly, monthly, and annual take-home after federal + FICA. Quick results with no state selector required.

State paycheck calculators

State and employee payroll rules can materially change take-home pay. Texas and Florida do not impose an individual wage income tax; Washington has no broad wage income tax but does have employee payroll premiums; California uses progressive state income tax plus SDI. Under this site's standardized 2026 model, a $100,000 salary is about $79,180 after federal income tax and FICA in Texas/Florida versus about $72,151 in California. Use the dedicated state calculator to see the assumptions applied.

Dedicated state calculators

• California Hourly Paycheck Calculator Federal + CA state tax + FICA + SDI · $13–$50/hr reference table
• California Take-Home Pay Calculator (Salary) $40k–$150k salary after CA progressive tax, federal, and FICA
• Texas Hourly Paycheck Calculator No individual wage income tax · $20/hr = ~$685/wk after federal + FICA
• Texas Take-Home Pay Calculator (Salary) $40k–$150k salary — federal + FICA only, no state income tax
• Florida Hourly Paycheck Calculator No individual wage income tax · $20/hr = ~$685/wk after federal + FICA
• Florida Take-Home Pay Calculator (Salary) $40k–$150k salary — federal + FICA only, no state income tax
• New York Take-Home Pay Calculator NY state + NYC city tax option · $100k = ~$70.9k in NYC vs ~$79.2k in Texas
• Washington Take-Home Pay Calculator No broad wage income tax · optional WA Paid Leave + WA Cares employee premiums

State comparison tools

• Paycheck Calculator by State — all 50 states Quick calculator covering every U.S. state — salary or hourly, with state tax comparison table
• Compare Take-Home Pay by State (side-by-side) Enter one salary, compare any 2–3 states simultaneously
• Best States for Take-Home Pay Full ranking at $50k, $75k, and $100k salary — all 50 states
• Best States for High Income Earners State-by-state comparison optimised for $150k+ salaries

Income & pay calculators

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

• Salary Calculator Annual ↔ monthly ↔ biweekly ↔ weekly ↔ daily ↔ hourly — plus after-tax by state
• Take-Home Pay Calculator Line-by-line tax breakdown (federal, state, FICA) — all 50 states
• After-Tax Salary Calculator Estimate net annual salary after a flat effective tax rate
• After-Tax Paycheck Calculator Estimate net pay per paycheck at any pay frequency
• Income Tax Estimator Quick estimate of total income tax owed at any salary level
• Biweekly Paycheck Calculator Convert annual salary or hourly wage to biweekly gross pay
• Net Hourly Wage Calculator Your effective hourly rate after taxes — salaried or hourly
• After-Tax Hourly Rate Calculator Gross hourly rate → net hourly take-home after taxes
• Salary vs Hourly Calculator Compare total compensation — break-even hourly rate and overtime analysis
• Pay Raise & Salary Increase Calculator Enter raise % or $ amount → new salary across all pay periods
• Bonus & Severance Tax Calculator Estimate net payout from a bonus or severance after tax withholding
• Overtime Pay Calculator Calculate gross and net overtime pay at any multiplier
• Hourly to Salary Calculator Convert hourly rate to annual, monthly, and weekly gross salary
• Salary to Hourly Calculator Convert annual salary to an equivalent hourly rate
• Hourly to Annual Salary Calculator Hourly wage × hours × weeks = annual gross salary

Self-employment & side income

Freelancers and contractors may owe both income tax and self-employment tax. The statutory SE tax rate is 15.3%, generally applied to 92.35% of net self-employment earnings before the Social Security wage-base and Additional Medicare rules are considered. These tools provide planning estimates and show the assumptions used.

• Self-Employed After-Tax Calculator Net income after income tax + self-employment tax (SE tax)
• Side Income Tax Calculator Tax on freelance, gig, or secondary income added to a primary salary
• Contractor vs Employee Calculator Compare net income as a W-2 employee vs independent contractor

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.

• Capital Gains Tax Calculator Short-term vs long-term gains — estimate tax owed and net proceeds
• Crypto Tax Calculator Estimate tax on cryptocurrency sales and disposals
• Home Sale Tax Calculator Estimate taxable gain with an optional qualifying Section 121 exclusion of up to $250k/$500k

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.

• RSU Tax Calculator Shares × vest price → gross value → net after a user-selected planning tax rate
• Stock Option Tax Calculator Estimate tax on exercised stock options based on spread and tax rate

Retirement & inheritance

Withdrawals from traditional retirement accounts are taxed as ordinary income. Early distributions may also face a 10% additional tax unless an exception applies.

• Retirement Withdrawal Tax Calculator Estimate net amount from a 401k or IRA withdrawal after income tax
• Early Retirement Withdrawal Calculator Net amount after income tax + 10% early withdrawal penalty
• Inheritance & Estate Tax Calculator Estimate tax on inherited assets based on estate value and tax rate

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.

• Relocation Tax Impact Calculator Compare after-tax income before and after moving to a new state
• Windfall & Settlement Tax Calculator Estimate net amount from a legal settlement or one-time windfall
• After-Tax Income by Country Compare estimated take-home pay across the US, UK, Canada, Australia, and more

Canadian take-home pay calculators

Canadian federal + provincial tax calculators using 2026 brackets.

• Ontario Take-Home Pay Calculator Federal + Ontario tax + CPP/EI — $75k salary = ~$56,900 take-home
• British Columbia Take-Home Pay Calculator Federal + BC provincial tax — includes Vancouver salary estimates
• Alberta Take-Home Pay Calculator Federal + Alberta tax + CPP/EI — compare Alberta with Ontario and BC
• All Canadian Province Calculators → Full list of Canadian federal + provincial take-home pay calculators

After-tax income guides

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

• Gross vs net income The difference between gross pay and what you actually take home
• Marginal vs effective tax rate Why your real tax rate is lower than your bracket
• Federal vs state vs payroll taxes How the three main US tax types reduce your paycheck
• How taxes reduce your income Step-by-step examples of gross pay becoming net pay
• All after-tax guides → Plain-language explanations of how taxes affect income at every level