About NetPayCalculator.app
What We Do
NetPayCalculator.app is a free take-home pay calculator that provides accurate paycheck estimates for all 50 U.S. states plus Washington, D.C. We calculate federal income tax withholding, state income taxes, FICA (Social Security and Medicare), and other payroll deductions using the same official tables and brackets your employer uses.
Whether you're evaluating a job offer, planning a move to a different state, or simply want to understand your paycheck better, our calculator gives you the exact numbers you need.
Why We Built This
Most paycheck calculators use outdated tax tables, rough estimates, or miss critical state-specific rules. We wanted to build something better: a tool that uses the exact same withholding methods and marginal tax brackets as actual payroll systems.
Every calculation is based on official IRS publications (including Rev. Proc. 2025-32 for 2026 tax brackets), Social Security Administration wage base limits, and state department of revenue withholding tables. We don't estimate — we model the exact same logic your employer's payroll software runs.
Privacy-First Design
All calculations happen locally in your browser. We don't store your salary, state, or any other information you enter. There are no analytics trackers, no cookies, and no data collection of any kind.
The only data that leaves your device is when you choose to share a calculation link with someone — and even then, the link parameters are just numbers in the URL, never stored on our servers.
What We Support
- All 50 U.S. states plus Washington, D.C.
- Federal income tax withholding (2025 and 2026 tax years)
- State income tax for all states that have one
- Social Security and Medicare (FICA) with accurate wage base limits
- Local income taxes (currently New York City)
- Multiple filing statuses (Single, Married Filing Jointly, Head of Household)
- Pre-tax deductions (401k, HSA, FSA, commuter benefits, health insurance)
- Multiple pay frequencies (weekly, bi-weekly, semi-monthly, monthly)
Limitations
While we strive for accuracy, this calculator provides mathematical estimates for informational and planning purposes only. It does not constitute tax, legal, or accounting advice. Actual withholding may vary based on:
- Year-to-date earnings and withholding already paid
- Specific W-4 elections and adjustments
- Employer-specific payroll setup and timing
- Additional state or local rules not modeled here
For definitive guidance, consult with a qualified tax professional or your employer's HR department.
Open Source & Transparency
Our calculation engine is built in the open. Every tax bracket, withholding formula, and deduction rule is traceable to its authoritative source. You can review the exact sources we use in the footer of our homepage.
Questions or Feedback?
We'd love to hear from you. If you've found an error, have a suggestion, or just want to say hello, please reach out via our contact page or feedback form.