Free Paycheck Calculators & Money Tools
Every calculator on PaycheckShift is free, works instantly in your browser and needs no signup. Start with the question you are actually asking. What lands in my bank account? Use the paycheck or take-home pay calculator. What is a job offer really worth? Convert salary to hourly (or hourly to salary) and compare take-home pay, not just the headline number. How much tax will I owe? The income tax and overtime calculators break it down line by line.
There are also state-specific calculators for California, Texas, New York and Florida, take-home pay tools for the United Kingdom, Canada and Australia, and everyday money tools like the pay stub generator, the paycheck budget planner and the electricity bill estimator. Seventeen tools in total — pick yours below.
🇺🇸 Most Popular — US Calculators
Paycheck Calculator
Estimate net pay after federal tax, FICA and state tax.
Take-Home Pay Calculator
See what you actually keep from your gross salary.
Salary to Hourly
Convert annual salary to hourly wage instantly.
Hourly to Salary
Convert hourly wage to annual salary.
Income Tax Calculator
Estimate your US federal income tax for 2027.
Overtime Pay Calculator
Time-and-a-half and double-time pay made simple.
Pay Raise Calculator
See what a raise means per paycheck.
🇺🇸 US State Paycheck Calculators
California
Paycheck calculator with CA state tax.
Texas
No state income tax — see your advantage.
New York
Paycheck calculator with NY state tax.
Florida
No state income tax paycheck estimate.
🌍 United Kingdom, Canada & Australia
UK Take-Home Pay
UK salary after Income Tax and National Insurance.
Canada Paycheck
Federal + Ontario tax take-home estimate.
Australia Take-Home Pay
After-tax pay with Medicare levy.
➕ More Free Tools
Pay Stub Generator
Create a clean, printable pay stub summary.
Paycheck Budget Planner
Split take-home pay into needs, wants & savings (50/30/20).
Electricity Bill Estimator
Estimate your monthly electric bill by state & usage.
How PaycheckShift Works
1. Pick a calculator. Choose the tool that matches your question — a full paycheck estimate, a quick salary conversion, or a country-specific take-home calculation. If you are not sure where to start, the paycheck calculator is the best first stop: it covers federal tax, state tax and payroll taxes in a single result.
2. Enter your numbers. Type in your gross pay, pay frequency and a few details like filing status or state. The small details matter here — your filing status and your state can move the final number by hundreds of dollars a year, so they are worth entering properly. Everything runs in your browser — your data never leaves your device.
3. Get instant answers. See your net pay with a clear breakdown of every deduction: federal tax, state tax, Social Security, Medicare and more. The breakdown shows where every dollar went, not just the final figure, so you can spot anything that looks off.
4. Compare and adjust. Change one thing at a time — a raise, a move to another state, extra retirement contributions — and watch the take-home number move. That is how you test a decision before you make it, instead of guessing at the outcome.
See a Real Paycheck, Worked Out
Percentages are hard to judge in the abstract, so here is one complete paycheck with real numbers: a $65,000 salary, paid biweekly (26 paychecks a year), single filer, using 2027 federal figures. This is an estimate, worked out before any state tax:
| Gross pay (per paycheck) | $2,500.00 |
| Federal income tax | −$216.15 |
| Social Security (6.2%) | −$155.00 |
| Medicare (1.45%) | −$36.25 |
| Estimated take-home (before state tax) | $2,092.60 |
Where does the federal figure come from? The 2027 standard deduction for a single filer is $16,600, so only $48,400 of the $65,000 salary is taxable income. Tax on $48,400 comes to $5,552.00 for the year — 10% on the first $12,800, then 12% on the remaining $35,600 — which works out to $213.54 per paycheck. Social Security and Medicare (together called FICA) take a flat 7.65% of gross pay: $191.25 per paycheck, with no deductions or brackets involved. Total deductions: $407.40, leaving $2,092.60.
State tax is the one big piece left out above, because it depends entirely on where you live: it is $0 in states with no income tax, like Texas and Florida, and a noticeable extra slice in states like California and New York. Your own result will also move with pre-tax deductions like health insurance or a 401(k). Want this same breakdown for your salary and your state? Run it through the paycheck calculator at the top of this page.
Why Use a Paycheck Calculator?
Your salary is not your paycheck. Between federal income tax, state tax, Social Security and Medicare, a $70,000 salary can easily become $52,000–$55,000 in actual take-home pay. A paycheck calculator shows you that gap before you accept a job offer, negotiate a raise or plan a budget — so there are no surprises on payday.
Compare job offers fairly. Two offers with the same salary can pay very differently once state tax enters the picture — and a slightly lower salary in a state with no income tax can beat a higher offer somewhere else. Comparing take-home pay, not gross pay, is the only honest comparison.
Check a raise in real terms. A 5% raise does not put 5% more in your bank account, because part of it is taxed away — sometimes at a higher bracket. The per-paycheck difference between the old salary and the new one is the number that actually changes your month.
Sanity-check your withholding. If the first paycheck from a new job looks surprisingly small — or suspiciously large — an estimate tells you whether your W-4 withholding is roughly right. Catching a withholding problem early in the year beats a surprise tax bill the following spring.
Budget on real numbers. Rent, savings goals and loan payments all come out of take-home pay, not gross pay. Planning around your salary figure is how budgets quietly fall apart; planning around your net pay is how they hold.
Our calculators use 2027 tax figures and clearly label every result as an estimate. They are planning tools, not tax advice — but for everyday decisions like comparing two job offers, they are accurate enough to trust.
🔒 Private by design: every calculation runs in your own browser. We never see, store or transmit the numbers you type in — there is no account and nothing to log into.
Frequently Asked Questions
Are these calculators really free?
Yes. Every calculator on PaycheckShift is free to use with no account, no signup and no usage limits.
How accurate are the results?
Our calculators use current 2027 tax brackets, standard deductions and FICA rates, so results are close for most employees. Your actual paycheck may differ because of employer-specific deductions (health insurance, 401(k), etc.), local taxes and your exact W-4 elections. Treat results as estimates.
Is my salary data sent anywhere?
No. All calculations happen in your browser with JavaScript. We never see, store or transmit the numbers you enter.
Which pay frequencies are supported?
Weekly (52), biweekly (26), semimonthly (24), monthly (12) and annual — the five standard US pay schedules.
Do you cover countries outside the US?
Yes — we have take-home pay calculators for the United Kingdom, Canada and Australia in addition to our US tools.
Can I use this to compare job offers?
Absolutely — that is one of the most popular uses. Run both offers through the paycheck calculator (including state tax if the jobs are in different states) and compare the take-home numbers side by side.
What is the difference between gross pay and take-home pay?
Gross pay is your full pay before anything is taken out. Take-home pay (also called net pay) is what is left after federal and state taxes, Social Security, Medicare and any other deductions — in other words, the amount that actually reaches your bank account.
Why does the same salary take home different amounts in different states?
Federal tax and FICA are the same everywhere in the US, but state income tax is not. States like Texas and Florida have no state income tax at all, while others take several percent — and a few cities add a local tax on top. Same salary, different state, different paycheck.
🤝 Straight with you: every result on this page is an estimate built from published 2027 tax tables — not tax advice. For a decision that really matters, confirm the numbers with your payroll department or a tax professional.
From the Blog
Plain-English guides to paychecks, taxes and salaries — each paired with a free calculator:
No Tax on Overtime in 2027: What You Actually Get (Real Math)
Only the overtime premium is deductible — see the real math, caps, and how to claim it on your W-4.
Read guide →Free Tax Calculators for 2027: Estimate Your Taxes and Take-Home Pay
Which tax calculator to use for your question — with two worked 2027 examples and a full breakdown.
Read guide →Australia Take-Home Pay: What Your Salary Really Leaves You (2026)
What AUD 60K, 90K and 120K leave you after tax, the Medicare levy and super — full 2026-27 breakdowns.
Read guide →California Take-Home Pay: What Your Salary Really Leaves You (2027)
What $50K, $75K, $100K and $150K leave you after federal tax, FICA, state tax and SDI — full breakdowns.
Read guide →How to Budget Your Paycheck: The 50/30/20 Rule (2026)
Split every paycheck into needs, wants and savings — with a $5,000 worked example and a free budget planner.
Read guide →Saver's Match 2027: How to Get the $1,000 IRS Retirement Match
New for 2027: the federal government matches your retirement savings. See who qualifies and how to claim it.
Read guide →How to Figure Out Your Federal Income Tax (2027 Guide)
Brackets, deductions and a worked $60,000 example — figure out your federal tax step by step.
Read guide →Florida Paycheck Guide: No State Income Tax
What no state income tax really means for your Florida paycheck, with a full deduction breakdown.
Read guide →California Paycheck Deductions Explained
State tax, SDI and everything else California takes out — explained line by line.
Read guide →How Does Overtime Pay Work? Time-and-a-Half Explained
When overtime kicks in, how the 1.5x rate is calculated, and what it means after tax.
Read guide →Federal Income Tax Brackets 2027: Complete Guide
Every 2027 bracket, standard deduction and how marginal rates actually work.
Read guide →