Income & Reality
What is my real monthly income?
This net income calculator turns your gross salary into the monthly money you actually live on. Adjust taxes, 401(k), and insurance to match your situation.
Try the calculator
Use effective tax rates to get a realistic take-home estimate.
What this means
Your real monthly money is your gross income minus taxes, retirement contributions, and insurance. This number drives every other decision, including rent, debt, and savings goals.
What to do next
Use your net monthly income to set spending limits and compare any new bills. If your take-home feels low, try adjusting 401(k) or health plan options and rerun the numbers.
FAQ
Is this an exact paycheck calculator?
No. It is a planning estimate. Use effective tax rates that match your situation for the most accurate result.
Does this include state income tax?
Yes, if you enter a state tax rate. If your state has no income tax, set the rate to 0%.