Take-home / net pay calculator API

Estimate net take-home pay = gross less pre-tax deductions, federal & state tax (flat-rate model), and FICA (6.2% SS capped + 1.45% Medicare), returning annual net, per-pay-period net, take-home rate, and a line-item breakdown. Estimate only; actual federal tax is progressive (see tax-federal-bracket). Answers 'net pay on $80k','take-home per paycheck','how much after taxes and 401k','paycheck after deductions'.

Price$0.01per request

MethodPOST

Route/v1/calc/tax-take-home-pay

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

taxtake-homenet-paypaycheckficawithholdingsalarycalc

API URLhttps://x402.hexl.dev/v1/calc/tax-take-home-pay

Integration docs

Example request

{
  "grossAnnual": 80000,
  "federalRate": 0.18,
  "stateRate": 0.05,
  "preTaxDeductions": 5000
}

Example response

{
  "grossAnnual": 80000,
  "preTaxDeductions": 5000,
  "federalTax": 13500,
  "stateTax": 3750,
  "fica": 6120,
  "netAnnual": 51630,
  "netPerPayPeriod": 1985.77,
  "payPeriods": 26,
  "takeHomeRate": 0.6454,
  "breakdown": [
    {
      "item": "Pre-tax deductions",
      "amount": 5000
    },
    {
      "item": "Federal tax",
      "amount": 13500
    },
    {
      "item": "State tax",
      "amount": 3750
    },
    {
      "item": "FICA (6.2% SS capped + 1.45% Medicare)",
      "amount": 6120
    }
  ],
  "note": "Estimate. Flat-rate withholding model; actual federal tax is progressive (see tax-federal-bracket)."
}

Input schema

{
  "type": "object",
  "required": [
    "grossAnnual",
    "federalRate"
  ],
  "properties": {
    "grossAnnual": {
      "type": "number",
      "description": "Gross annual pay in USD",
      "examples": [
        80000
      ]
    },
    "federalRate": {
      "type": "number",
      "description": "Effective federal rate as a decimal 0-1",
      "examples": [
        0.18
      ]
    },
    "stateRate": {
      "type": "number",
      "description": "State rate as a decimal",
      "examples": [
        0.05
      ]
    },
    "preTaxDeductions": {
      "type": "number",
      "description": "Annual pre-tax deductions in USD",
      "examples": [
        5000
      ]
    },
    "payPeriods": {
      "type": "number",
      "description": "Pay periods per year, default 26",
      "examples": [
        26
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}