About MyNetPay.org

MyNetPay.org was created to solve a simple yet critical problem: helping American workers understand exactly how much money they'll actually receive in their paycheck. Whether you're evaluating a job offer, planning your budget, or simply curious about where your money goes each pay period, our free paycheck calculator provides accurate, transparent calculations for all 50 U.S. states.

Our Mission

We believe financial transparency should be accessible to everyone. Understanding your paycheck is fundamental to financial literacy, yet many people don't have easy access to accurate paycheck calculations that account for federal taxes, state taxes, FICA contributions, and various deductions. Our mission is to provide a free, accurate, and easy-to-use paycheck calculator that empowers workers to make informed financial decisions.

Why We Built This Tool

The difference between gross salary and actual take-home pay can be startling. A $70,000 salary in California yields significantly different net pay than the same salary in Texas due to state tax differences. When considering a job offer or relocating to a new state, understanding these differences is crucial for making the right decision.

Many paycheck calculators online are either inaccurate, outdated, cluttered with ads, or require payment for full functionality. We wanted to create something different: a completely free tool that uses the most current tax rates and provides comprehensive breakdowns without any hidden costs or limitations.

What Makes Us Different

Accurate 2025 Tax Calculations

We update our calculator regularly to reflect the latest federal and state tax brackets, FICA rates, and wage base limits. Our calculations use the current 2025 tax year rates to ensure your estimates are as accurate as possible.

All 50 States Included

Whether you live in a high-tax state like California or New York, or a no-income-tax state like Texas or Florida, our calculator provides accurate state-specific calculations. We account for flat tax states, progressive tax states, and everything in between.

Comprehensive Deduction Support

Our calculator includes common pre-tax deductions like 401(k) contributions, HSA contributions, and health insurance premiums. These deductions significantly impact your take-home pay, and we show you exactly how much you save in taxes by contributing to these accounts.

Visual Breakdowns

We don't just give you a number—we show you exactly where your money goes. Our visual charts break down federal taxes, state taxes, FICA contributions, and deductions so you can understand your complete paycheck picture at a glance.

Educational Content

Beyond the calculator, we provide comprehensive guides and articles to help you understand paycheck calculations, optimize your tax withholdings, maximize your take-home pay, and make informed financial decisions.

How We Calculate Your Paycheck

Our calculator uses the official IRS tax tables and state tax rate information to provide accurate estimates. Here's what we calculate:

• Federal Income Tax: Based on your filing status and the 2025 federal tax brackets (10% to 37%)
• FICA Taxes: Social Security (6.2% up to the wage base limit of $168,600) and Medicare (1.45%, plus 0.9% Additional Medicare Tax for high earners)
• State Income Tax: Specific rates and brackets for your state, including states with no income tax
• Pre-Tax Deductions: 401(k), HSA, FSA, and health insurance premiums that reduce your taxable income

While our calculator provides highly accurate estimates, please note that your actual paycheck may vary slightly based on your employer's specific payroll system, additional local taxes, or other factors unique to your situation. We recommend using our calculator for planning and estimation purposes, and consulting with a tax professional for personalized advice.

Our Commitment to Privacy

We respect your privacy. Our paycheck calculator works entirely in your browser—no data is sent to our servers, stored, or shared with third parties. You can use our calculator with confidence knowing that your financial information remains private and secure. Read our full Privacy Policy for details.

Free Forever

MyNetPay.org is and will always be completely free to use. No registration required, no hidden fees, no premium features locked behind a paywall. We believe everyone should have access to accurate paycheck calculations regardless of their financial situation.

Keeping Our Calculator Updated

Tax laws and rates change regularly. The IRS adjusts federal tax brackets annually for inflation, Social Security wage base limits increase each year, and states frequently modify their tax codes. We monitor these changes closely and update our calculator promptly to ensure you always have access to the most current tax rates and calculations.

Who We Serve

Our paycheck calculator is designed for anyone who needs to understand their take-home pay:

• Job Seekers: Compare actual take-home pay between different job offers or locations
• Employees: Verify your paycheck is correct and understand where your money goes
• People Relocating: See how moving to a different state affects your net income
• Recent Graduates: Understand what to expect from your first paycheck
• Career Changers: Evaluate whether a career move makes financial sense
• Financial Planners: Help clients understand their actual available income for budgeting

Feedback and Suggestions

We're constantly working to improve our paycheck calculator and add new features. If you have suggestions, find an error, or encounter any issues, please contact us. Your feedback helps us serve you better.

Disclaimer

The information and calculations provided by MyNetPay.org are for informational and educational purposes only. While we strive for accuracy and update our calculator regularly with current tax rates, we cannot guarantee that the results will match your actual paycheck exactly. Tax situations can be complex and vary based on individual circumstances. For specific tax advice or concerns about your particular situation, please consult a qualified tax professional or certified public accountant.