Net to Gross Paycheck Calculator

Personal financial planning means setting targets. That may mean targets for savings, targets for paying down debts, targets for investments, targets for retirement, etc. And sometimes it can mean setting targets for income. Maybe you have a certain lifestyle in mind. Or perhaps you're hoping to buy a home of a certain type and value, and need to know how much you need to earn to afford it. Or maybe you're approaching retirement or looking to semi-retire and want to know how much you can cut back while still maintaining your lifestyle. The Net to Gross Paycheck Calculator can help. Put in the take-home (net) income you require, along with some other information, and it will figure out your deductions for taxes, insurance, retirement savings and the like and determine the level of gross income you'll need to hit that figure.

By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.

We estimate a gross paycheck of $1,251.66 nets $1,000.00.

*This entry is Required. indicates required.

Year to date income:*This entry is Required.Enter an amount between $0 and $1,000,000

Required net pay:*This entry is Required.Enter an amount between $1 and $1,000,000

Pay period:*This entry is Required.

Filing status and withholding:

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Filing status:*This entry is Required.

Number of allowances:*This entry is Required.Enter an amount between 0 and 99

401(k)/403(b) plan withholding:*This entry is Required.Enter an amount between 0% and 80%

Employee paid health insurance:*This entry is Required.Enter an amount between $0 and $100,000

State & local taxes:*This entry is Required.Enter an amount between 0% and 20%

Other pre-tax deductions:*This entry is Required.Enter an amount between $0 and $100,000

Post-tax deductions:*This entry is Required.Enter an amount between 0% and 20%

Post-tax deductions:*This entry is Required.Enter an amount between $0 and $100,000

Post-tax reimbursements:*This entry is Required.Enter an amount between $0 and $100,000

**FIG_GRAPHTITLE** Pie Chart: Please view the report to see detailed calculation results in tabular form.

Paycheck Deductions

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Definitions

Required net paycheck

This is the net paycheck you would like to have after any paycheck deductions.

Pay period

This is how often you are paid. Your selections are: Weekly (52 paychecks per year), Every other week (26 paychecks per year), Twice a month (24 paychecks per year), Monthly (12 paychecks per year), and Annually (one paycheck per year).

Filing status

This is your income tax filing status. The choices are "Single" and "Married." Choose "Married" if you are married or file as "Head of household." Choose "Single" if you file your taxes as a single person or if you are married but file separately.

Gross pay

This is your gross pay, before any deductions, for the pay period. Please enter a dollar amount from $1 to $1,000,000.

Number of allowances

When your Federal income tax withholding is calculated, you are allowed to claim allowances to reduce the amount of the Federal income tax withholding. The number of allowances you should claim depends largely on the number of dependents you have and your itemized deductions. This calculator allows from 0 to 99 allowances.

401(k)/403(b) plan withholding

This is the percent of your gross income you put into a taxable deferred retirement account such as a 401(k) or 403(b). While increasing your retirement account savings does lower your take home pay, it also lowers your Federal income tax withholding. The impact on your paycheck might be less than you think. While your plan may not have a deferral percentage limit, this calculator limits deferrals to 80% to account for FICA (Social Security and Medicare) taxes. Please note that your 401(k) or 403(b) plan contributions may be limited to less than 80% of your income. Check with your plan administrator for details. For 2019, the maximum contribution for this type of plan is $19,000 per year for individuals under 50 and $25,000 for individuals 50 or older.

Employee paid health insurance

Health insurance premiums deducted from your pay. Do not include any amounts paid directly by your employer. Your health insurance premiums are not subject to FICA or Medicare taxes.

State and local taxes

This is the percentage that will be deducted for state and local taxes. For 2019, we take your gross pay, minus $4,200 per allowance, times this percentage to estimate your state and local taxes. Please note, this calculator can only estimate your state and local tax withholding. The tax rate displayed is an assumption that may or may not be relevant to your situation.

Other pre-tax deductions

Enter any other deductions made with pre-tax income. This amount will not be subject to income taxes, but is taxable in regards to require FICA and Medicare.

Post-tax deductions

Enter any payroll deductions made by your employer that are made with after-tax income.

Post-tax reimbursements

Enter any reimbursements made by your employer that are after-tax.

Year-to-date earnings

Your current year gross earnings that were subject to FICA taxes (Social Security tax and Medicare tax). This total should not include the current payroll period or any income from other sources or employers. We use this amount to determine if you are required to have Social Security tax or additional Medicare tax withheld for the current payroll period. Typically, this is your gross earnings minus employer paid health insurance and any Flexible Spending Account (FSA) contributions. In 2019, year-to-date earnings is not required or used for incomes under $132,900 per year, or if your current year-to-date earnings plus your current payroll does not exceed $132,900.

Social Security tax

For 2019, Social Security tax is calculated as your gross earnings times 6.2%. For 2019, incomes over $132,900 that have already had the maximum Social Security tax of $8,239.80 withheld will not have additional withholding. Please note that if you have other wages or employers this calculator does not make any assumptions as to the total Social Security tax withheld for the current year other than the actual inputs for this calculator. This tax is also referred to as the Federal Insurance Contributions Act Old Age Survivors and Disability Insurance (FICA OASDI).

Medicare tax

Medicare tax is calculated as your gross earnings times 1.45%. Unlike the Social Security tax, there is no annual limit to the Medicare tax. Starting in 2013, an additional Medicare tax of 0.9% is withheld on all gross earnings paid in excess of $200,000 in a calendar year. If you enter an amount for the year-to-date gross earnings, this additional Medicare tax will be calculated based on the current period's gross earnings that exceed the annual $200,000 threshold. If no year-to-date amount is entered, any additional Medicare tax withholding will be calculated only for any gross earnings in excess of $200,000 for the current payroll period. If year-to-date wages prior to the current payroll period have exceeded $200,000, the year-to-date wages must be entered to calculate an accurate additional Medicare tax.

Federal tax withholding calculations

Federal income tax withholding is calculated by:

Multiplying taxable gross wages by the number of pay periods per year to compute your annual wage.
Subtracting the value of Withholding Allowances claimed (for 2019, this is $4,200 multiplied by Withholding Allowances claimed on the employee's W-4: Employee's Withholding Allowance Certificate).
Determining your annual tax by using the tables below (single and married rates, respectively).
Dividing the amount of tax by the number of pay periods per year to arrive at the amount of Federal tax withholding to be deducted per pay period.

Single Withholding Rates 2019^*
Annual taxable income between these amounts	Annual withholding	Withhold additional % of income over this amount
^*Source: http://www.irs.gov Publication 15 Income Tax Withholding Tables for 2019
$0 - $3,800	$0.00
$3,800 - $13,500	$0.00	plus 10% of income over $3,800
$13,500 - $43,275	$970.00	plus 12% of income over $13,500
$43,275 - $88,000	$4,543.00	plus 22% of income over $43,275
$88,000 - $164,525	$14,382.50	plus 24% of income over $88,000
$164,525 - $207,900	$32,748.50	plus 32% of income over $164,525
$207,900 - $514,100	$46,628.50	plus 35% of income over $207,900
$514,100 - (no limit)	$153,798.50	plus 37% of income over $514,100

Married Withholding Rates 2019^*
Annual taxable income between these amounts	Annual withholding	Withhold additional % of income over this amount
^*Source: http://www.irs.gov Publication 15 Income Tax Withholding Tables for 2019
$0 - $11,800	$0.00
$11,800 - $31,200	$0.00	plus 10% of income over $11,800
$31,200 - $90,750	$1,940.00	plus 12% of income over $31,200
$90,750 - $180,200	$9,086.00	plus 22% of income over $90,750
$180,200 - $333,250	$28,765.00	plus 24% of income over $180,200
$333,250 - $420,000	$65,497.00	plus 32% of income over $333,250
$420,000 - $624,150	$93,257.00	plus 35% of income over $420,000
$624,150 - (no limit)	$164,709.50	plus 37% of income over $624,150

Net to Gross Paycheck Calculator Overview

Your gross income and your net income are two very different figures. Gross income is your actual earnings, before any deductions for taxes, 401(k) contributions, employee-paid health insurance, union dues and the like. Your net income is the amount you actually receive after all that is taken out.

There are a lot of different things that can be deducted from your gross earnings to produce your net income, and they are figured in different ways. Some may be a fixed dollar amount, some a percentage of earnings, or perhaps a multiple of some other figure. This calculator takes that all into account, based on current federal income tax guidelines, crunches the numbers and gives you the best estimate you can get, based on the data you provide.

Using the Net to Gross Paycheck Calculator

Start by entering your year-to-date earnings. (This doesn't affect the calculation, but it will appear for reference purposes in the report generated by the calculator).

Next, enter your net income target and indicate how often you seek to receive this much – weekly, every other week, twice a month, monthly or annually.

After that, enter your filing status and withholdings information, using the following guidelines:

Filing status – Use the same status you use on your tax returns; enter "single" if you're married but file separate returns.
Number of allowances – these are for personal deductions; enter one for you, your spouse (if filing jointly) and each dependent.
401(k)/401(3) plan withholding: Enter amounts deducted from your paycheck for these or any other tax-deferred retirement plans. Do not enter matching amounts for employer contributions.
Employee paid health insurance: Enter amount deducted from your check for health insurance premiums. Do not include any portion paid by your employer.
State and local taxes: Enter percentage withheld for these taxes. The calculator takes your gross pay, minus the standard deduction for each allowance, to determine this figure. Note this is for withholding only; your actual taxes may vary depending on your state and local tax guidelines.
Other pre-tax deductions: Enter any other deductions that are not taxable, but are subject to FICA (Social Security and Medicare) taxes.
Post-tax deductions: Enter the percentage of your income for any employer-made deductions from taxable income.
Post-tax reimbursements: Enter any reimbursements from your employer that are not subject to tax.

Note that you can adjust any of these using the green triangles are right to easily explore the impacts of a range of values in any of these.

When you are done, click "View Report" at the top of the page. You will get a figure for the gross income you need to produce the desired net income, along with a report breaking down all the various costs going into the calculation.

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