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Paycheck Deduction Planner
Turn gross pay and a list of deductions into an estimate of your real take-home pay.
Plan your paycheck deductions
Taxable income per period: —
Estimated tax: —
Post-tax deductions: —
Net pay per period: —
How to use the Paycheck Deduction Planner
- Enter your gross pay and pick how often you are paid.
- Set pre-tax deduction and income tax percentages.
- List any post-tax deductions as name and amount separated by a pipe.
Features
- Pre-tax and post-tax deductions
- Taxable income and estimated tax
- Yearly view beside each pay period line
- Custom named post-tax deductions
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Frequently Asked Questions
Common questions about the free online paycheck deduction planner.
Pre-tax deductions such as retirement or health premiums come out before income tax is worked
out, so they lower your taxable income.
Type one deduction per line in the form name followed by a pipe then the amount, for example
Union dues | 25.
The tool subtracts pre-tax deductions from gross pay, applies the tax rate to what is left,
then removes the post-tax deductions.
Real payroll includes progressive tax brackets, local taxes and exact withholding rules, so
this is an estimate rather than a payroll system.
Yes. The planner applies one flat rate to taxable income, which keeps the arithmetic simple
and easy to follow.
Weekly pay has fifty two periods, biweekly has twenty six, semimonthly has twenty four and
monthly has twelve.
Yes. Every line of the breakdown shows both the amount per pay period and the amount per
year.
No. All of the arithmetic runs locally in your browser and nothing is transmitted or stored.
Yes. Change the gross pay figure and the table instantly shows how the net figure changes
with it.
Last updated: October 10, 2026