The Problem We Solved
When you get a job offer for $75,000, what does that actually mean per paycheck? When you move from Texas to California, how much more in taxes will you pay? When your employer offers a 401(k) match, how much will your take-home pay actually decrease if you contribute?
These are questions millions of Americans ask every day. The existing tools are either too complex, too slow, outdated, or buried inside financial services sites that exist to sell you products. TruePayCalc was built to be the fastest, cleanest, most accurate free answer — no ads in the way, no sign-up required, no agenda.
What TruePayCalc Calculates
Federal Income Tax — Using 2026 tax brackets (10%, 12%, 22%, 24%, 32%, 35%, 37%) with the correct standard deductions by filing status. We calculate your actual marginal and effective rates.
State Income Tax — All 50 states plus Washington DC, using 2026 state tax tables. From 0% in Texas and Florida to 13.3% at the top bracket in California.
FICA Taxes — Social Security (6.2% on wages up to $176,100) and Medicare (1.45%, plus 0.9% additional Medicare on high earners).
Pre-Tax Deductions — 401(k) contributions, health insurance premiums, HSA contributions, and other pre-tax deductions that reduce your taxable income.
All Pay Frequencies — Weekly, bi-weekly, semi-monthly, monthly, and annual calculations in one place.
Bonus & Overtime — Flat rate and aggregate bonus withholding, plus overtime pay at 1x, 1.5x, and 2x rates.
Who Uses TruePayCalc
Job seekers comparing offers, employees verifying their pay stubs, HR professionals explaining compensation, new grads entering the workforce, people relocating between states, small business owners running payroll estimates, and anyone who just wants to know what their salary actually means in their pocket.
Free Forever
TruePayCalc is completely free. No account, no email address, no subscription. All calculations run locally in your browser — nothing you enter is sent to any server.