See your real paycheck
Convert salary or hourly pay into annual, monthly, weekly, and per-paycheck take-home estimates.
2026 planning estimates
Your salary isn’t
your paycheck.
Estimate take-home pay, compare job offers, test deductions, and understand where every dollar goes—before you make a financial decision.
No signup requiredCalculate instantly
Private by defaultSaved locally as a guest
Built for decisionsNot tax-return filing
Estimated monthly take-home
$4,083
Based on $72,000 annual salary
68%you keep
Take-home$48,996
Federal tax$7,631
FICA$5,508
State tax$2,089
Deductions$7,776
Offer insight
A $6,000 salary increase may add about $308/month after estimated taxes.
✓ Compare two offers
↗ Save your scenarios
Made for real decisions
Not another useless tax calculator.
PayScope turns confusing paycheck deductions into clear answers you can actually use.
Compare job offers
Measure gross pay against taxes, benefits, commute costs, and retirement contributions.
Test financial choices
See how a 401(k), insurance deduction, bonus, or side income changes what reaches your bank.
Built for your first big moves
Know what the offer is actually worth.
For students, young professionals, hourly workers, freelancers, and anyone comparing a job or relocation.
Start without an account
Find out what you’ll actually take home.
Login or register only when you want to save calculations and view them in your personal dashboard.
Paycheck calculator
Build a realistic estimate of what reaches your bank account.
2026 FederalPlanning estimate
Estimated take-home pay Live estimate
$4,083
per month
Per paycheck$1,884
Annual take-home$48,996
Effective tax rate21.2%
Where your money goes
Estimated annual breakdown
68%you keep
✦
PayScope insight
Your 6% retirement contribution reduces current taxable income while moving money into savings.
Keep this calculation
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Educational planning estimate only. It does not include every credit, deduction, local tax, withholding election, or personal circumstance and is not tax advice.
Offer comparison
Higher salary doesn’t always mean more money.
Compare two offers after estimated taxes, benefits, retirement, and commute costs.
VS
PayScope conclusion
Offer B leaves you about $103 more each month.
The $8,000 salary difference shrinks after estimated taxes, benefits, retirement, and commuting costs.
Financial tools
Small calculators for expensive decisions.
Use the tools below to test salary targets, hourly pay, freelance reserves, and basic affordability.
Salary needed
Estimate the gross salary required for a target monthly take-home.
Estimated salary needed$77,800
Hourly ↔ salary
Translate hourly wages into annual income and realistic overtime.
Estimated annual gross$56,160
Freelance reserve
Estimate how much to set aside from 1099 or side-hustle income.
Suggested reserve$5,400
Affordability snapshot
See what remains after recurring monthly costs.
Remaining each month$1,050
Your saved scenarios
Calculations you save appear here.
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Saved calculations0
Highest take-home$0
Most recent state—
Methodology
What PayScope calculates—and what it doesn’t.
Clear assumptions matter more than pretending an estimate is exact.
Federal income tax
Uses 2026 federal marginal brackets and the standard deduction for the selected filing status. It does not calculate every tax credit or itemized deduction.
Payroll taxes
Estimates employee Social Security and Medicare taxes, including the 2026 Social Security wage cap and additional Medicare tax threshold.
State estimates
Supports simplified planning estimates for New Jersey, New York, Pennsylvania, and Florida. Local and city income taxes are not included.
Pre-tax deductions
401(k), health, HSA/FSA, and other pre-tax amounts reduce estimated federal taxable income. Actual payroll treatment can vary.
Official references
Calculation sources
Tax rules change. These are the government references used for the current planning engine.
!
This is not tax-return software.
PayScope is a financial planning interface. It does not file returns, guarantee refunds, replace payroll calculations, or provide legal, accounting, or tax advice.