Free Money Tool
Take-Home Pay & Budget Calculator
See what your paycheck may look like after taxes and retirement contributions—then turn it into a practical monthly budget.
Your income.
A little clearer.
See what comes home, what goes where, and what’s possible.
per paycheck · every two weeks
Where the rest goes
ANNUALLY- Federal income tax
- $8,671
- Social Security
- $5,270
- Medicare
- $1,233
- State income tax
- $3,825
- Pre-tax retirement
- $8,500
Give every dollar a direction
A starting point for your $4,792 monthly take-home.
Everyday needs
50%Housing, groceries & essentials
Room to enjoy
30%Dining, travel & the extras
Future you
20%Savings & extra debt payments
This split is a guide. Pre-tax retirement is already deducted from take-home pay.
What this take-home pay estimate includes
Your gross salary is only the starting point. The estimate subtracts common payroll taxes and your chosen retirement contribution before building a monthly spending plan.
Federal & payroll taxes
An approximation of federal income tax, Social Security, and Medicare based on annual income and filing status.
State income tax
Enter an estimated state tax rate to adapt the calculation. Local taxes and special deductions are not included.
Pre-tax retirement savings
Model a percentage contribution to a traditional workplace retirement plan and see how it changes estimated take-home pay.
A simple 50 / 30 / 20 starting point
The calculator divides estimated monthly take-home pay into 50% for needs, 30% for wants, and 20% for savings or debt payoff. It is a starting framework—not a rule. High housing costs, variable income, debt, and personal goals may require a different split.
50% · Housing, food, utilities, insurance
30% · Dining, travel, entertainment, upgrades
20% · Emergency fund, investing, debt payoff
Calculator FAQ
Questions behind the numbers.
Understand what the estimate can—and cannot—tell you about your paycheck.
What is the difference between gross pay and take-home pay?
How accurate is this take-home pay calculator?
Why does a pre-tax retirement contribution affect take-home pay?
What state income tax rate should I enter?
Do I have to follow the 50 / 30 / 20 budget exactly?
A useful estimate is only the beginning.
Anseris brings income, spending, savings, investments, and debt into one clear financial picture.