stubrate
See what a salary actually pays.
Taxes, commute, and work costs erase thousands. StubRate shows your real stub rate before you accept the offer.
Instant stub-rate estimate
Enter a salary and state. Get net pay and paycheck amounts after taxes and benefits. Open the full calculator to subtract commute and other job costs.
Your stub rate
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Enter a salary to see your stub rate
- Monthly take-home
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- Per paycheck
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Where the money goes
- Federal tax—
- State tax—
- Social Security + Medicare—
- 401(k)—
- Health premiums—
Take-home pay by state
Open a state page for tax notes, sample salaries, and a calculator already set to that state.
Guides
Short explainers on take-home pay, FICA, raises, bonuses, and comparing offers—written to use with the calculator.
Take-Home Pay vs Salary: Why Your Offer Is Not What You Keep
6 min · Learn why a $95,000 salary often becomes ~$70,000 after taxes and deductions—and how to estimate your real paycheck.
The Hidden Costs of a Job Nobody Puts in the Offer Letter
7 min · Commute, parking, wardrobe, lunches, and unpaid overtime quietly erase thousands from your salary. Here’s how to count them.
How to Compare Two Job Offers Without Getting Fooled by Salary
8 min · A practical framework to compare job offers using take-home pay, benefits, commute, and stub rate—not just the headline number.
Budget From Your Paycheck, Not Your Salary
5 min · Why budgeting off gross salary fails—and how to build a paycheck-first budget that survives rent day.
How Much Do You Take Home on a $100,000 Salary?
8 min · Estimate take-home pay on $100k after federal tax, state tax, FICA, and typical benefits—and see why the answer changes by state.
Biweekly Paycheck After Taxes: How to Estimate Your Real Check
7 min · Turn an annual salary into a biweekly paycheck after taxes and deductions. Includes why two months a year feel richer.
Do No-Income-Tax States Really Mean Higher Take-Home Pay?
8 min · Texas, Florida, Nevada, and other no-wage-tax states can raise stub rates—but property tax, sales tax, and job costs still matter.
How a 401(k) Contribution Changes Your Take-Home Pay
7 min · See how a 4%, 6%, or 10% 401(k) deferral shrinks this paycheck, lowers taxable income, and still faces FICA.
How Much of a Raise Do You Actually Keep After Taxes?
7 min · A 10% raise is not 10% more in the bank. Here’s how marginal tax brackets, FICA, and job costs shrink a raise.
Remote vs In-Office Salary: Which Offer Pays More After Costs?
8 min · A lower remote salary can beat a higher office salary after commute, parking, lunches, and extra childcare. Here’s the math.
Hourly to Salary After Taxes: What $25–$50/Hour Really Pays
7 min · Convert hourly wages to annual salary and take-home pay. Includes overtime caveats and why 2,080 hours is only a starting point.
Relocating for a Job: How Take-Home Pay Changes When You Move States
8 min · Moving for work changes state tax, housing, and commute. A checklist to compare the old life to the new offer before you sign.
California vs Texas Take-Home Pay: Same Salary, Different Stub Rate
8 min · Compare California and Texas take-home on the same salary. State tax is the headline—commute and housing decide the rest.
What Is Stub Rate? The Number That Makes Offers Comparable
6 min · Stub rate is the share of gross salary you still have after taxes and benefits—and true stub rate after job costs. Here is how to use it.
FICA, Social Security, and Medicare: The Paycheck Line People Skip
7 min · FICA is 7.65% of most wages—Social Security plus Medicare. It is not federal income tax, and a 401(k) does not always stop it.
Married vs Single Take-Home Pay: Why Filing Status Changes the Stub
7 min · Married filing jointly usually means a larger standard deduction and wider brackets. Here is how that shows up in monthly take-home vs filing single.
Take-Home Pay on a $75,000 Salary: Monthly Estimates After Taxes
6 min · See what a $75k salary looks like after federal tax, state tax, and FICA—and why the monthly number is what rent cares about.
Bonus Paychecks After Taxes: Why the Extra Check Looks Small
7 min · Bonus withholding often uses a flat supplemental rate, so the check looks harsher than your regular stub rate. Here is how to estimate what you keep.
Cost of Living vs Take-Home Pay: Why a Fatter Stub Can Still Lose
7 min · State tax changes your paycheck. Rent, insurance, and childcare change whether that paycheck is enough. Compare both, in that order.
FAQ
Common questions about how StubRate works.
Do I need an account?
No. Open the calculator, enter a salary, and see take-home pay in your browser. Nothing to create or sign in.
How accurate are the tax estimates?
They are educational approximations using simplified federal brackets and effective state rates—not a substitute for payroll software or a tax professional.
Why include commute and lunch?
Gross and even net pay ignore the cost of showing up. True stub rate helps you compare remote, hybrid, and office offers fairly.