How to Calculate Your After-Tax Income
After-tax income is the number that matters for spending and saving. Use this calculator to compare scenarios, not to predict an exact tax bill.
- Use consistent inputs (annual income, location, and filing assumptions).
- When comparing two job offers, keep assumptions the same so the difference reflects the offer, not the settings.
- If you have a recent pay stub or tax return, use it to sanity-check the implied effective tax rate.
Assumptions to Keep in Mind
- Tax credits, itemized deductions, and special situations can materially change real outcomes.
- Withholding is not always equal to taxes owed; refunds and balances due happen when the two differ.
- Pre-tax benefits and retirement contributions can change taxable income and the estimate.
For related scenarios, use the Take-Home Pay Calculator or estimate withholding per check with the Paycheck Calculator.