What does the take-home pay calculator include?
It estimates federal income tax, FICA, simplified state income tax, net annual income, monthly take-home pay, and after-rent context for a selected metro.
Take-home Tool
Estimate what actually hits your bank account
This calculator stays on the income side: gross pay in, tax drag out, rent-first context on top. It is not a full tax return or a household budget planner.
Deep-link ready: use ?city=austin-tx&salary=140000&rent=1800&filing_status=single to preload a salary/tax handoff.
Filing status
Rent context
Monthly take-home
$7,185/mo
2026 Single profile in Austin, TX
Federal tax
$15,370
FICA
$8,415
State tax
$0
Effective tax
22%
After rent
$5,585/mo
Rent burden
22%
Assumption note: state and local treatment remains simplified. This view does not model every credit, deduction, benefit, or city payroll rule.
Next best action
Keep the decision moving
FAQ
What this tool does and does not answer
Is this a full tax filing estimate?
No. It does not model every credit, deduction, benefit, local payroll tax, or household-specific tax situation. It is an offer-screening estimate, not tax advice.
Why does take-home pay matter for offer decisions?
Two offers with similar gross pay can produce different monthly outcomes once filing status, state taxes, and rent pressure are included. Take-home pay is the bridge from salary number to real offer outcome.