What will my paycheck actually be?

Got a job offer or your first salary? Enter it below and see your take-home pay: the number that actually lands in your bank account, and the one you should budget with.

Your pay

$
%

At least enough to get your employer’s match.

$

Health, dental, vision. Skip if unsure.

Your take-home pay

Enter your pay to see your paycheck.

Now give every dollar a job

Monerem drops your take-home pay straight into a monthly budget, then helps with the rest: checking if you can afford an apartment or car, finding subscriptions you forgot, and a step-by-step money roadmap built for your first years out of school.

  • Paycheck to budget in one tap
  • “Can I afford it?” checks before you sign
  • Plain-English help on every money word
Start your free 14-day trialTry the 50/30/20 calculator

Questions

Why is my take-home pay so much less than my salary?

Federal income tax, Social Security (6.2%), Medicare (1.45%), and state tax if your state has one all come out before you’re paid, plus anything you choose like a 401(k) or health insurance.

If I get a raise into a higher tax bracket, will I take home less?

No. Only the dollars above the bracket line are taxed at the higher rate. Every raise means more take-home pay.

Should I put money in my 401(k) if I’m just starting out?

If your employer matches, put in at least enough to get the full match. It’s free money, and it lowers your income tax now.

Is my information saved?

No. This calculator runs entirely in your browser. Nothing you type is stored or sent anywhere.