TakeHome Paycheck Calculator

Find out what you will actually take home. TakeHome is a paycheck calculator for ChatGPT that turns a US salary or hourly wage into net pay per paycheck, per month and per year for tax year 2026.

Ask things like "what's my take-home pay on $95,000 in Colorado", "how much is $28 an hour after taxes" or "compare $140k in New York City with $120k in Austin". TakeHome shows your paycheck after taxes with a clear breakdown of every deduction, and lets you switch pay frequency, state, filing status and 401(k) right in the chat.

What it calculates:

• Federal income tax with 2026 brackets and standard deductions, the child tax credit, and the new deductions for qualified tips, overtime premium pay and seniors
• Social Security and Medicare, including the wage base cap and the additional Medicare tax
• State income tax for all 50 states and Washington, D.C.
• City and county income taxes such as New York City, Yonkers, Philadelphia, Pittsburgh, Detroit, Columbus, Cleveland, Cincinnati, Kansas City, St. Louis, Louisville, Wilmington, Portland and Multnomah County, and every Maryland county
• State payroll deductions like California SDI, New York and New Jersey disability and paid family leave, and paid leave programs in Washington, Massachusetts, Oregon, Colorado and other states
• Traditional 401(k) and 403(b) contributions, pre-tax health benefits, HSA and FSA, bonuses, hourly overtime and tips
• Weekly, biweekly, semi-monthly and monthly pay schedules, and single, married and head of household filing

Comparing job offers or thinking about moving? The job offer comparison puts 2 to 4 salaries side by side across states and cities and shows how much more you keep with each.

TakeHome needs no account and does not store what you enter. Results are estimates for planning based on published 2026 tax rules, not tax advice. Actual paychecks depend on your W-4 and your employer's withholding.