Paycheck Salary Gross-Up

How to use this calculator

1. Enter your desired net pay for the period.
2. Enter flat federal, state, and FICA rates (or add local into state).
3. Add any pre-tax deductions (e.g., 401k, HSA) to reduce taxable wages.
4. Review gross needed and the withholding breakdown for each tax.
5. Adjust rates/deductions to see how they change the required gross.

Inputs explained

Target take-home pay

Net pay you want to receive after taxes and pre-tax deductions.

Federal rate

Flat federal percentage for this scenario; simplifies bracketed withholding.

State rate

Flat state/local percentage; add local tax into this if needed.

FICA

Combined Social Security + Medicare rate (7.65% for most W-2 employees up to wage base).

Other pre-tax deductions

401k, HSA, commuter, etc., that reduce taxable wages before withholding.

When to use it

• Grossing up a salary to hit a net pay goal after pre-tax deductions.
• Checking how much to increase gross when adding 401k/HSA contributions.
• Modeling a pay change or relocation with different flat tax assumptions.
• Running a quick estimate before negotiating take-home pay with employers/clients.
• Testing per-period impacts if switching from monthly to biweekly pay while keeping the same net goal.
• Estimating how much extra gross is needed to offset higher pre-tax benefits elections.
• Evaluating how increasing commuter/benefits deductions changes net pay and required gross.
• Grossing up relocation stipends or allowances to a desired net per pay period.
• Roughly backing into net pay impacts when adjusting withholding allowances (convert to a flat % assumption here).

Tips & cautions

• Flat rates simplify reality—real payroll uses brackets, wage bases, and allowances; treat this as directional.
• If you’re near the Social Security wage base, FICA % effectively drops once you pass the cap.
• Include local tax by folding it into the state rate if applicable.
• Use per-period numbers (monthly/biweekly) consistently for target net and pre-tax inputs.
• If grossing up for a one-time bonus, consider using the bonus gross-up calculator instead.
• Check annual limits (401k, HSA) to ensure your pre-tax deduction input doesn’t exceed allowable caps.
• Annualize the result (gross × number of periods) to sanity-check that the yearly gross aligns with your expectations.
• If benefits include after-tax costs, remember those reduce take-home beyond the pre-tax items modeled here.
• If your employer withholds at supplemental rates for bonuses, run those separately—regular pay gross-up differs from bonus withholding.
• When midyear changes happen (new pre-tax elections), update inputs to avoid surprises in the next paycheck.
• Uses flat percentage rates; does not model brackets, allowances, or per-pay-period wage base for FICA.
• No local tax; add it into state or adjust rates accordingly.
• Assumes a single pre-tax line; break out specifics separately if needed.
• Does not consider annual caps (401k, HSA) or wage base limits within the period.
• Not a payroll-calibrated calculation; withholding tables may differ from flat-rate assumptions.
• Does not account for post-tax deductions (insurance premiums) or employer-paid benefits.
• No proration logic for partial periods (starting/stopping mid-period).
• No payroll rounding to pennies or per-pay-period table rules; treat as approximate.
• Does not incorporate overtime/bonus supplemental rates; use bonus gross-up separately for those cases.
• Does not model taxable vs non-taxable benefits separately; treats all pre-tax as fully exempt from withholding.
• Does not compute true annual tax liability; this is per-paycheck directional gross-up only.

Worked examples

Deep dive

FAQs

Is this exact to my paycheck?

No. Payroll uses IRS/state tables, allowances, and wage bases. This is a flat-rate estimate to directionally gross up to a target net.

How do I handle local tax?

Fold local into the state rate or add it to federal/state for a combined flat rate.

What about Social Security wage base?

This model assumes full FICA. If you’re over the wage base, reduce the FICA rate accordingly for periods after the cap.

Does this include benefits costs?

Only pre-tax deductions you enter. It does not account for after-tax benefit costs or employer contributions.

Should I use annual or per-period numbers?

Use per-period inputs consistently (monthly vs biweekly). You can annualize the output for a quick check, but gross-up is done per period.

What if my employer uses supplemental rates for bonuses?

This tool is for regular pay. For bonuses, use a bonus gross-up calculator or input a combined flat rate that reflects supplemental withholding.

Can I model after-tax benefits?

This tool only models pre-tax deductions. After-tax benefit costs will further reduce net pay; consider them separately in your budget.

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