Teacher Paycheck Calculator 2026 | Net Pay & Deductions

Teacher Paycheck Calculator helps educators estimate realistic take-home pay per check or annually. It accounts for contract salary, pay frequency, pensions, taxes, benefits, stipends, and unpaid work time to reflect how school district paychecks actually work.

Annual Contract Salary ($)

Pay Schedule

Federal Filing Status

Estimated State Tax (Effective %)

Pay Frequency

Contract Days

State Pension (STRS/TRS) % Mandatory Pre-Tax. Some districts exclude stipends.

Subject to Social Security?

Uncheck if paying into pension instead of SS

403(b) / 457 Contribution %

Health Ins. (Per Check) $

Deduct Pre-Tax?

Union Dues (Per Check) $

✏️ Out-of-Pocket Classroom Supplies ($/yr)

🏫 District Transfer Comparator

Calculate for District A first, Save, then enter District B numbers.

Metric	Dist A	Dist B (Curr)	Diff
Net/Pay	$0	$0	—
Pension	$0	$0	—

Coaching/Club Stipend (Total) $

Summer School Pay (Total) $

🚀 Step/Lane Change Simulator

Unpaid Hours/Week (Grading)

Extra Withholding ($) $0

Paycheck Results

Per Check Annual Total

Reality Check Mode

Net Pay

$0.00

Take Home

Net Per Day

$0.00

Instructional Day

Gross Pay

$0.00

Contract Prorated

True Hourly

$0.00/hr

Incl. Grading Time

CategoryAmount

Gross Wages $0.00

+ Stipends/Extras $0.00

– Pension (Pre-Tax) -$0.00

– Benefits (Pre-Tax) -$0.00

Federal Tax (2026 Proj, paycheck-style) $0.00

Estimated paycheck withholding (simplified brackets)

State Tax $0.00

State tax estimated using simplified federal-style taxable income.

FICA (SS/Med) $0.00

– Union Dues -$0.00

Net Pay $0.00

Chart reflects paycheck cash flow only, not annual adjustments.

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