Resources — Tools

Know what you actually take home before you sign the offer.

A free calculator for modeling your actual take-home pay — federal, state, and FICA withholdings, filing status, dependents, retirement contributions, the whole picture. Built for W-2 employees, 1099 contractors, and business owners restructuring their own compensation.

Built By

Accounting Your Life

The same firm that handles real tax strategy work for our clients. We built this because the calculators floating around online were too simple to be useful — and the right answer matters.

Income & Filing
Dependents & Deductions
Location & Tax Year
Tax Rate Options
Federal brackets are embedded. State tax uses the manual rate unless an API proxy is configured in this template.

Estimates only — not tax advice. Federal brackets, standard deductions, dependent-credit assumptions, Social Security wage bases, and Medicare thresholds are embedded for tax years 2022–2025. State and local income taxes use the rates entered unless a compatible state-tax proxy is configured. Pretax deductions reduce estimated cash take-home; deductions not withheld are treated as federal income adjustments but are not removed from take-home cash. Review the result with a professional for your situation.

What This Models

Beyond gross to net. The full picture.

01

Federal & State Income Tax

Embedded federal brackets for the selected supported year, with manual federal, state, and local rate overrides when your situation requires them.

02

FICA & Medicare

Social Security and Medicare contributions calculated against the selected year’s wage base, with Additional Medicare Tax thresholds factored in.

03

Pre-Tax Deductions

401(k), HSA, health insurance, and other pre-tax contributions modeled to show estimated taxable income and resulting take-home.

04

Filing Status & Dependents

Single, married filing jointly, married filing separately, head of household, standard deductions, and estimated dependent credits.

05

Pay Frequency Comparison

See your take-home across daily, weekly, bi-weekly, semi-monthly, monthly, quarterly, semi-annual, and annual periods.

06

1099 vs W-2 Scenarios

Model employee FICA or self-employment tax, including the 92.35% self-employment earnings adjustment and the half-tax AGI deduction.

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