W4 Calculator - NetPay

Know your take-home pay before your first paycheck arrives.

NetPay instantly calculates your net pay after federal taxes, state taxes, Social Security, Medicare, and pre-tax deductions — for all 50 US states.

WHETHER YOU'RE SALARIED OR HOURLY
Enter your annual salary or hourly rate and NetPay breaks down your paycheck into a clear, line-by-line summary. Toggle between per-paycheck and annual views to see exactly where your money goes.

ACCURATE STATE TAX CALCULATIONS
Every state is covered — from California's progressive brackets and SDI to Texas and Florida's zero state income tax. State-specific payroll deductions like NY PFL, NJ SDI/FLI, and WA PFML are included automatically.

COMPARE JOB OFFERS SIDE BY SIDE
Weighing two offers? Moving to a new state? Use Compare to see the real difference in take-home pay between any two scenarios. Compare salary vs. hourly, state vs. state, or any combination.

PRE-TAX DEDUCTIONS
Factor in your 401(k) contributions, health insurance premiums, HSA, and FSA to get a true picture of your net pay.

SAVE & REVISIT SCENARIOS
Save any calculation for later. Keep track of different job offers, raise projections, or relocation scenarios all in one place.

SHARE YOUR RESULTS
Export a clean breakdown to share with a partner, financial advisor, or just yourself.

WHAT'S INCLUDED FOR FREE
- Paycheck calculator for the 10 most popular states
- Federal tax, Social Security & Medicare breakdown
- Per-paycheck and annual views

NETPAY PRO UNLOCKS
- All 50 states with state-specific deductions
- Pre-tax deductions (401k, health, HSA, FSA)
- Full line-by-line breakdown
- Compare scenarios side by side
- Saved scenario details

Built with 2026 federal and state tax data.

Privacy policy: https://tap-and-swipe.com/netpay/privacy
Terms of use: https://tap-and-swipe.com/netpay/terms
EULA: https://apple.com/legal/internet-services/itunes/dev/stdeula