See exactly what lands in your bank account.

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Why your paycheck looks different from your salary

Every US paycheck goes through the same basic sequence of deductions before it reaches your bank account: federal income tax, Social Security (6.2%), Medicare (1.45%), and state income tax if your state charges one. Nine states — including Texas, Florida, and Nevada — charge no state income tax at all, while others like California and New York apply progressive rates that can reach into the double digits for higher earners. PayClear's calculators walk through each of these deductions individually so you can see exactly where your money goes, instead of just a single "estimated take-home" number with no breakdown.

Whether you're evaluating a new job offer, converting an hourly rate to an annual salary, figuring out what to set aside as a freelancer, or just trying to understand this month's paycheck, the goal is the same: a fast, accurate answer without wading through ads or creating an account.

Built for accuracy, not just speed

Every calculator on this site uses current federal tax brackets, the IRS standard deduction, official FICA rates, and published state income tax structures. We update these figures annually as the IRS and individual states release new numbers for the tax year. You can read exactly how each number is calculated — including what's included and what isn't — on our Methodology page.

Who uses PayClear

• Job seekers comparing offers across different states or pay structures (hourly vs. salaried)
• Freelancers and 1099 contractors figuring out quarterly estimated taxes and self-employment tax
• Salaried employees checking a raise, bonus, or new state's impact on take-home pay
• HR and payroll-curious employees wanting to understand exactly what each line on their pay stub means

No sign-up, no data stored

Every calculation runs directly in your browser — the salary, income, or tax figures you type in are never sent to a server, logged, or stored anywhere. There's no account to create and no email required to see your results. Close the tab and your numbers are gone, exactly as it should be for financial information this personal.

Start anywhere

There's no required starting point — whether you land on the Paycheck Calculator from a Google search about your next job offer, or land on a state-specific page while researching a move, every calculator links to the related tools you're likely to need next. Explore the full list above, or jump straight to whichever calculator answers your immediate question.

Updated for the current tax year

Every calculator on PayClear uses current federal tax brackets, the IRS standard deduction, official FICA rates, and published state income tax structures — reviewed and updated annually as new figures are released. If you want the full breakdown of exactly what's included in each calculation, our Methodology page walks through it section by section.

From hourly to retirement: covering the full picture

Pay and tax questions don't stop at your first paycheck. Whether you're hourly or salaried, a full-time employee or a freelancer, comparing job offers across states, or trying to understand a confusing bonus or overtime check, the calculators here are built to answer the specific question you have — not a generic, one-size-fits-all estimate. As your career and income situation change, the same set of tools stays useful, whether you're negotiating your first job offer or planning quarterly taxes for a growing freelance business.

Fast, mobile-friendly, and ad-balanced

This site is built as a lightweight static page with no unnecessary scripts or frameworks slowing it down — every calculator loads instantly and works just as well on a phone as on a desktop. We've designed ad placements to sit alongside the content rather than interrupting the calculator itself, so you can get your number without fighting through pop-ups or auto-playing media.

Guides

Plain-English explanations of how pay and taxes actually work, alongside the calculators.