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Paycheck Planner

Enter your yearly salary, how often you are paid, and the deductions you expect. The calculator shows what each paycheck is worth after deductions, using a tax rate you choose.

Your numbers

Your plan is ready.
Take-home pay per paycheck 
Gross pay per paycheck 
Take-home pay for the year 

Scenario table

Each row changes one number by a tenth, and keeps the rest as you entered them.

ScenarioTake-home pay per paycheckGross pay per paycheck

Scenario chart

The first result for each scenario, drawn to scale.

How to use this planner

Enter your numbers in the boxes. The results update as you type, using the same calculation as the calculator.

The scenario table shows what changes when one number moves. Use it to see which number has the most effect on your result.

Understanding the result

The results are estimates. They use only the numbers you enter, so they can differ from what a bank, lender, or adviser calculates.

Monica Tulips ยท Updated: October 31, 2026

About the author

Monica Tulips

Monica Tulips

Finance Writer, Moni Calculator Pro

Monica Tulips writes the personal finance, savings, and loan guides on Moni Calculator Pro. Each calculator's math is covered by automated tests before its page is published, and the guides explain that math in plain language.

Frequently asked questions

Why does my pay stub differ from this estimate?

Withholding follows tax tables that use your filing status and details the calculator does not have, and some deductions are taken before tax. Use the stub as the real figure, and update the tax rate to match.

What tax rate should I use?

Use the total rate that your pay stub shows as a share of gross pay, if you have one. Otherwise, a rough estimate is enough for a budget.

Does this include Social Security and Medicare?

Not separately. Enter the total share of pay taken for taxes, including those, in the tax rate field.

Is a retirement contribution a cost?

It reduces take-home pay, but it is money set aside for later. Treat it as part of your savings plan, not as spending.

Why do pay periods matter?

Paying every two weeks means some months have three paychecks. Budget using the monthly average, not a single paycheck, to avoid surprises.