What GrossNetPay is
GrossNetPay is a free take-home pay calculator covering all 50 US states plus a dedicated India calculator. Our goal is simple: show salaried and hourly workers exactly what their paycheck will be after taxes — with the math shown, not hidden.
Our calculation methodology
Every calculation runs in your browser using the same published tables a payroll department would use:
- Federal income tax: Official IRS tax year 2026 brackets (10%–37%) and standard deductions ($16,100 single / $32,200 married / $24,150 head of household), from the IRS annual inflation adjustment.
- Social Security: 6.2% of wages up to the $184,500 taxable maximum for 2026.
- Medicare: 1.45% on all wages, plus the additional 0.9% surtax on wages above $200,000 (single) / $250,000 (married).
- Pre-tax deductions: Traditional 401(k) contributions reduce income-tax wages but remain subject to FICA. Section 125 health premiums reduce both income-tax and FICA wages, per Treasury regulations.
- State income tax: Exact published flat rates or bracket tables where available (including full California and New York brackets). States we have not yet fully wired show a clearly labeled estimate. Nine states have no wage income tax.
Data sources
- IRS tax year 2026 inflation adjustments and standard deductions (irs.gov)
- Social Security Administration taxable maximum for 2026 (ssa.gov)
- Published state revenue department rate schedules for 2025–2026
What our estimates do not include
Local city or county income taxes (e.g., New York City, Philadelphia), W-4 elections beyond filing status such as dependents credits and extra withholding, employer-specific benefits like Roth 401(k) (post-tax) or HSA, garnishments, and state-specific credits. Your real paycheck may differ slightly. We are an estimate tool for planning — not a payroll engine, and not tax advice.
Corrections & updates
Tax tables change every year and occasionally mid-year. When the IRS publishes new figures, we update one file (our tax data module) and every calculator on the site updates. Found an error? We fix them publicly — write to hello@grossnetpay.com.
Who it's for
Employees checking an offer, freelancers converting hourly rates, anyone comparing job offers across states, and HR teams using our embeddable widget and API to show candidates real numbers.
Estimates only — not tax, legal, or financial advice. Consult a CPA or tax professional for filing decisions.