Take-Home Pay Optimizer

Find the best combination of pre-tax deductions and strategies to maximize your take-home pay. Compare 6+ optimization scenarios instantly.

💰 Your Current Setup

Annual Salary ($)

Filing Status

State

Current Deductions

401(k) % of Salary

Employer Match %

HSA ($/month)

FSA ($/year)

Health Insurance Premium ($/month, pre-tax)

🎯 Optimization Results

📊 Current Take-Home

Gross Salary $85,000

Pre-Tax Deductions −$0

Federal Tax −$0

State Tax −$0

FICA (SS + Medicare) −$0

              Current Annual Take-Home
              $0
            

Per Paycheck (bi-weekly) $0

💡 Optimization Scenarios

🏆 Best Strategy

Enter your details to see optimization strategies.

Disclaimer: This optimizer provides estimates based on 2026 federal tax brackets and general deduction rules. Actual tax liability depends on your complete tax situation. Consult a tax professional for personalized advice.