About CheckNetPay
CheckNetPay is a free online paycheck calculator built for everyday American workers, job seekers, freelancers, and anyone who wants to understand exactly what they take home after taxes -- before the money hits their bank account.
Our Mission
Most people are offered a salary, handed a number, and left to figure out on their own how much of it they'll actually see. Federal income tax, state income tax, Social Security, Medicare, and benefit deductions can silently take 25–40% of a paycheck -- often more.
We built CheckNetPay to change that. Our goal is simple: give anyone -- from a new graduate accepting their first job offer to a seasoned professional comparing two positions across different states -- an immediate, accurate picture of their real take-home pay.
No registration required. No ads blocking the calculator. No upsells. Just your number.
What We Offer
Paycheck Calculator
Salary or hourly. All 50 states plus city and county local taxes. W-2 and 1099 modes.
Bonus Tax Calculator
See exactly how much of your bonus you keep after flat-rate or aggregate federal withholding.
Raise Simulator
Find out the real after-tax difference of any raise before you negotiate. A $10k raise is never $10k.
1099 / Gig Worker Mode
Freelancers, Uber/DoorDash drivers, Etsy sellers -- calculates self-employment tax and quarterly estimates.
Overtime Calculator
See exactly how time-and-a-half overtime pay affects your gross pay, withholding, and take-home.
Who Uses CheckNetPay
- Job seekers comparing offers across different salary levels and states
- New employees who want to understand their first paycheck before it arrives
- Freelancers and contractors estimating their self-employment tax obligations
- Gig workers (Uber, DoorDash, Instacart) calculating how much to set aside for taxes
- HR professionals quickly estimating net pay for salary discussions
- Personal finance enthusiasts building accurate budgets based on real take-home pay
Accuracy and Limitations
CheckNetPay uses current 2026 federal tax brackets, FICA rates, standard deductions, and state income tax rates updated with IRS Rev. Proc. 2025-32. Social Security wage base: $184,500. 401(k) limit: $24,500.
Your actual net pay may differ because our calculator does not account for:
- Itemized deductions beyond the standard deduction
- Tax credits (Child Tax Credit, Earned Income Credit, etc.)
- All local city and county taxes -- major jurisdictions are included, smaller municipalities may vary
- Wage garnishments or mandatory post-tax deductions
- Multiple jobs or variable income
For payroll decisions affecting real paychecks, always verify with your actual pay stub or consult a qualified tax professional.
Ready to see your real take-home pay?
Use the Free Calculator →Contact
Found an error in our calculations? Have a feature suggestion? We'd love to hear from you.
Email: hello@checknetpay.com