Finance — Income to Net

Paycheck Planner

Start with your hourly, monthly, or annual W‑2 pay. We’ll estimate taxes, stack your bills, and highlight how much you can realistically invest each month.

Income & taxes

Switch between hourly, monthly, or annual views—the calculator keeps everything in sync for you.

Pay frequency Annual Monthly Hourly

Hourly rate

Hours per week

Weeks per year

Monthly gross pay

Annual gross pay

Filing status

State income tax?

No Yes

Enter the % of income your state taxes when you choose “Yes”.

Deduction Standard Itemized

Your monthly spending

Think about an average month. The hints below each category offer quick examples to jog your memory.

HousingRent or mortgage, property tax, utilities Food & DrinksGroceries, restaurants, coffee runs TransportationCar payment, gas, insurance, transit passes HealthInsurance premiums, prescriptions, copays ShoppingHousehold supplies, clothing, gifts ServicesCell, internet, childcare, subscriptions EntertainmentStreaming, hobbies, nights out TravelFlights, hotels, weekend getaways OtherDonations, pet costs, everything uncategorized

View your spending

Tap any bar to see annual and monthly dollars; tap again to clear the highlight.

Swipe left/right to see all bars

Summary

All numbers update automatically—taxes apply your deduction choice and include payroll (FICA).

Insights & action plan

Enter a monthly investing goal to see tailored trim suggestions.

Monthly investing goal

Set a goal to see how much of your take-home pay you can redirect toward investing.

Optional: push these numbers into the Projection tool to model long-term growth.

Illustrative only. Actual tax depends on filing status, deductions, and local rules. Totals include payroll (FICA).

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