Free tool
Pay Analyzer
Enter an offer or target salary to see what it actually means month to month.
If you have a range, try both ends to see the difference.
Retirement contributions
Pre-tax — reduces federal & state taxable income
Post-tax — no tax reduction, grows tax-free
Combined limit: $23,000/year (2024). Amounts are capped automatically.
Benefits deductions
Monthly premium · pre-tax
Monthly premium · pre-tax
Monthly premium · post-tax
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What this calculator computes
The Pay Analyzer uses 2024 federal and state tax tables to estimate your real take-home pay. It calculates federal income tax using graduated brackets, Social Security (6.2%) and Medicare (1.45%) withholding, and state income tax for all 50 states — including the nine states with no income tax. Pre-tax deductions like traditional 401(k) contributions and employer-sponsored medical and dental premiums reduce your taxable income before the calculation runs, giving you a more accurate picture than a simple flat-rate estimate would.
Who it’s for
This tool is built for job seekers who are comparing multiple offers, negotiating salary, or trying to understand whether a role in a new state is actually a pay increase after taxes. A $120,000 offer in Texas and a $120,000 offer in California are not the same offer once state taxes are applied. The Pay Analyzer makes that difference immediate and concrete. It’s also useful for current employees considering a 401(k) enrollment change or benefits election — showing exactly how much a pre-tax contribution reduces your take-home before you commit.
Limitations to keep in mind
Results are estimates, not tax calculations. The tool assumes W-2 employment with standard deduction — it does not model itemized deductions, local or city taxes, supplemental wage rates, or the additional 0.9% Medicare surtax on high earners. Roth 401(k) contributions are treated as post-tax and do not reduce your taxable income. Results should be used as a comparison tool and a planning baseline, not for filing. For tax filing or financial planning, consult a qualified tax professional.