Every stream you earn, down to take-home. Model a raise or a new job on the Calculator; My As-Is holds today's paycheck; Compare shows the difference.
Gross salary is a headline; take-home is reality. This take-home pay calculator turns W-2 salary, freelance income, or both into the money that actually lands in your account — after federal income tax (2026 brackets), Social Security and Medicare (FICA), self-employment tax, and pretax 401(k) contributions.
Mixing a salary with freelance work changes the math: self-employment income owes the full 15.3% SE tax, and part of that is deductible. The calculator handles either or both and breaks out the pieces instead of giving you only a total.
If you have self-employment income, you likely owe estimated taxes four times a year. When freelance income is present, the calculator estimates your quarterly payment so the bill does not catch you off guard.
Take-home becomes the basis of your Budget, your tax detail flows to the Taxes calculator, and your 401(k) to Investing — earn it once, use it everywhere.
A traditional 401(k) lowers today’s taxable income, while a Roth is funded with after-tax money and grows tax-free. This calculator models pretax contributions, since those change your take-home directly; the right mix between the two depends on whether you expect a higher or lower tax rate in retirement.
This calculator works on its own — but it shares your numbers with eight more. Together, they become a command center for your whole financial picture.