Your salary, line by line.
Stub44 shows what comes out of your salary before payday: federal and state tax, Social Security, Medicare, and the state programs most calculators skip. All 50 states and DC. Free, no account, and nothing leaves your phone.
- Gross pay
- $4,000.00
- Pre-tax deductions
- −$590.00
- Federal tax
- −$156.89
- State tax (CA)
- −$86.60
- CA SDI
- −$47.45
- Social Security
- −$226.30
- Medicare
- −$52.93
- Post-tax deductions
- −$25.00
- Net take-home
- $2,814.83
Everything the engine accounts for
Federal brackets by filing status
Single, married filing jointly or separately, head of household, or qualifying surviving spouse. Your status picks the bracket curve, and the math follows it through every bracket.
All 50 states and DC
State withholding tables plus the named programs most calculators skip: CA SDI, NY PFL, NJ FLI, HI TDI, PA LST, WA Cares, and more. Each one is its own line on the stub.
FICA that knows the wage base
Social Security stops at the annual wage base. Medicare adds the surtax above its threshold. Paste year-to-date earnings and mid-year paychecks come out right.
The whole W-4
Post-2020 Step 2(c) for two jobs, Step 3 credits, and Step 4(c) extra withholding, or the older allowances form. State allowances are set separately.
Every deduction you actually have
401(k) and Roth 401(k), 403(b) and 457(b), SIMPLE IRA, HSA and FSA, dependent-care FSA, child support, IRS levies, and creditor garnishments.
A flat percentage for anywhere else
Outside the US? Skip the W-4 and set one reduction rate per profile. Income, pay period, overtime, and extra income still work the same way.
Is the offer actually a raise?
Save a profile for each job, change one thing, and read the difference in net pay. Here is the same $50-an-hour job with only the state changed.
Texas keeps $134.05 more per paycheck, or $3,485.30 a year, because it has no state income tax and no SDI.
How take-home pay is calculated
Your take-home pay is what is left after every withholding comes out of your gross. The order matters. Pre-tax deductions like a traditional 401(k) or HSA lower your taxable wages first. Then federal income tax, state income tax, and FICA (Social Security and Medicare) are applied. Finally, post-tax items like Roth contributions or garnishments are subtracted.
Your state changes the math more than most people expect. Nine states have no income tax at all, while others layer on named programs like California SDI, New York PFL, or New Jersey FLI that never show up in a generic calculator. Filing status and W-4 settings shift your federal withholding, Social Security stops at the annual wage base, and Medicare adds a surtax above a threshold.
Calculators you can use right here
- 401(k) Paycheck Impact Calculator See how raising your 401(k) contribution changes your take-home pay, what each pre-tax dollar really costs after taxes, and how much match you forfeit.
- Bonus Tax Take-Home Calculator Estimate what you actually keep from a bonus after the 22% federal supplemental withholding, Social Security, Medicare, and your state's bonus tax.
- Bonus vs. Raise Calculator Compare a one-time bonus against a salary raise after 2026 supplemental withholding, FICA, and 401(k) match, and find the year the raise wins.
- Car Affordability Calculator (20/4/10 Rule) See how much car you can afford on your salary using the 20/4/10 rule, based on your real take-home pay.
- Cost of Living Salary Comparison Calculator Compare your salary between two US cities adjusted for cost of living and see the equivalent pay you would need to keep the same standard of living.
- Daycare Cost vs. Salary Calculator See whether a second income still pays off after daycare. Enter salary, childcare, and work costs to get real take-home, effective hourly wage, and breakeven.
Guides
Questions
Is Stub44 free?
Yes. You can model your full salary and switch pay periods without paying or creating an account. An optional Premium subscription unlocks unlimited saved profiles and 21 extra themes, but the core calculator is free.
Where does my pay data live?
On your device, nowhere else. Every calculation runs on the phone. Your income, deductions, and results are never sent to our servers or anyone else.
Does it work offline?
Yes. The calculation engine runs entirely on your phone, so you can model your salary with no connection. Internet is only used for analytics, crash reporting, and subscription validation.
Which states are covered?
All 50 states plus the District of Columbia. Every state’s withholding tables are included, with programs like CA SDI, NY PFL, and NJ FLI itemized by name. No "coming soon" footnotes.
Can I compare two job offers?
Yes. Duplicate a profile, change the state or pay rate, and Stub44 shows the net-pay difference so you can tell whether an offer is actually a raise.
Can I use it outside the US?
Yes. Flat-percentage mode lets you set a single deduction rate per profile and still model income, pay period, overtime, and additional income.
On your phone
Salary Calculator is free on iOS and Android. No sign-up, and your numbers never leave the device.
More from EHM Tech
- Paycheck Calculator Federal, state, and FICA math for all 50 states. See your real take-home before payday.
- Tax Refund Estimator Estimate your federal refund before you file, with credits, deductions, and self-employment tax.
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