SalarySmith
Take-home pay and money math, itemized
Every figure struck line by line and stamped with its tax year. It is free, with no sign-up needed, and an optional account saves your receipts.
Net pay · year
$50,583
≈ $4,215 / month
Saving to the ledger is an Assay Master feature — see membership.
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These figures come from Withholdwell, our payroll-tax API — all 51 jurisdictions from statute, re-verified every year. Get an API key.
The whole counter 18 calculators
Pay & Wages
- 01 Take-Home Paycheck Gross → taxes line by line → net, for every state, stamped to tax year 2026.
- 02 Hourly ↔ Salary Convert either direction, with unpaid time built into the math.
- 08 Profit Margin Margin, markup, and the price either one implies.
- 10 Offer Comparison Two offers weighed after tax — decided on net pay, not the headline.
- 12 Bonus Tax Withholding The flat 22% method against the aggregate method — see which one actually hit your check.
- 13 Self-Employment Tax Freelance profit run through real Schedule SE math, plus what the half-deduction saves.
- 14 Overtime Pay Time-and-a-half pay, and the premium half that actually qualifies for the 2026 overtime deduction.
Debt & Homes
Saving & Retirement
- 05 Compound Interest What a balance becomes when growth starts earning growth.
- 07 Savings Goal The monthly contribution a target and a date actually require.
- 09 401(k) Projection Your deferrals, the employer match, and decades of growth on both.
- 11 Retirement Income Planner Social Security, 401(k) drawdown, a pension, and rental income — layered into one taxed, year-by-year ledger.
Financial Independence
- 15 FIRE Number & Date The portfolio your spending needs, and the year your savings rate delivers it.
- 16 Coast FIRE The balance that finishes the job on compounding alone, with contributions stopped.
- 17 Barista FIRE What part-time income takes off the target — and how many years it buys back.
- 18 Savings Rate to FI Years to independence from your savings rate alone. The salary cancels out.
Where the figures come from
Every calculator on this site computes from published tax year 2026 figures: federal brackets and the standard deduction from IRS Rev. Proc. 2025-32, the $184,500 Social Security wage base from the Social Security Administration, and state rates as they stand January 1, 2026 per the Tax Foundation. Where a state's graduated brackets are modeled as an estimate, the estimate is drawn from ITEP's Who Pays? effective-rate data and carries the caution stripe wherever it appears.
The methodology page has the full detail: the bracket tables themselves, the FICA rates and wage base, which states are exact and which are estimates, and a plain list of what these calculators deliberately do not model: local taxes, credits, itemised deductions and other household income.
From the guides
A calculator hands you a figure. It cannot tell you whether a raise will leave you worse off, why a bonus deposit looked so small, or what a quoted mortgage payment left out. These cover that part.
- Marginal vs effective tax rate
A raise cannot leave you worse off. Why the bracket myth persists, and what the two rates actually measure.
- Why your bonus looks so heavily taxed
Bonuses are taxed at your normal rate. Only the withholding differs.
- How to read your paycheck
A line-by-line tour of a pay stub, and how to spot the errors that hide in one.
- How to compare two job offers properly
Two salaries are not comparable until you have adjusted for six other things.
Questions people ask
Are these numbers the same as my actual paycheck?
They are estimates built from published 2026 federal brackets, FICA rates, and state rates. Your employer's W-4 settings, benefits elections, and local taxes can shift the real figure. Every line shows the assumption behind it so you can see exactly where your number would diverge.
Why does every result carry a year stamp?
Tax figures change every year. Each result here is computed from tax year 2026 law: IRS Rev. Proc. 2025-32 brackets, the $184,500 Social Security wage base, and January 2026 state rates. A number without a year is not an answer.
Is SalarySmith free?
Yes. Every calculator runs in your browser, needs no account, and always will. The site is supported by advertising. An optional $39/year Assay Master membership saves results to a private dated ledger, prints them as receipts, and drops the ads.