Paycheck Calculator
Estimate your gross pay, deductions, and take-home pay for each paycheck. Model salary or hourly income, pay frequency, pre-tax deductions, retirement contributions, tax withholding estimates, and post-tax deductions.
Burrow Tip: The useful number is not your salary. It is what actually lands in your account after taxes and deductions.
Use one realistic baseline and one conservative withholding scenario so you do not plan your month around an overly optimistic paycheck.
Pay assumptions
Taxes and deductions
Comparison scenario (optional)
Results
Paycheck breakdown
Annualized pay view
Paycheck detail table
| Category | Per paycheck | Annualized | Notes |
|---|
Scenario timeline (Mermaid code)
If your site supports Mermaid elsewhere, you can paste this snippet into a Mermaid block. This tool does not load Mermaid.
How to use these results
A paycheck calculator is mostly a cash-flow planning tool. The key question is not just “What is my gross pay?” but “What will I actually receive after withholding, payroll taxes, and deductions?”
- Check withholding realism: a low withholding estimate can make your paycheck look better than reality.
- Separate taxes from deductions: retirement and benefits reduce take-home differently than withholding.
- Use annualized net pay carefully: it is a planning aid, not a promise of exact year-end cash flow.
- Revisit after changes: bonuses, benefit elections, hours worked, and retirement contributions can materially change net pay.
This tool is best for planning take-home pay, not for exact payroll compliance or tax filing calculations.