Free TakeHome API
Updated Updated for 2026 tax law
Put 2026 paycheck, tax and salary math in your app with one HTTP call. The TakeHome API returns JSON from the same engines that power our calculators — take-home pay for all 50 states and DC, federal brackets, UK salary after tax, 401(k) and compound-interest projections, mortgage and loan payments, CPI inflation, state cost of living and BLS wages by occupation. No API key, open CORS, free.
Try it
GET https://takehome.tools/api/v1/paycheck?state=TX&salary=75000&frequency=biweekly&filing=singleEdit the parameters and press “Send request” to call the live API.
Quick start
- Pick an endpoint below. Every endpoint lives under
https://takehome.tools/api/v1/. - Send a
GETwith query parameters, or aPOSTwith a JSON body (Content-Type: application/json) — same parameters, same response. - Read the result from
data. Showmeta.attributionwith a link tometa.sourcewhere people see the numbers.
Endpoints
| Endpoint | What it returns |
|---|---|
/api/v1/paycheck | Take-home pay after federal, FICA, state and local taxes (2026) |
/api/v1/federal-tax | 2026 federal income tax by bracket |
/api/v1/uk-take-home | UK take-home pay 2026-27: income tax, National Insurance, student loans, pension |
/api/v1/401k | 401(k) balance projection with employer match and 2026 IRS limits |
/api/v1/compound-interest | Compound interest with monthly contributions |
/api/v1/mortgage | Mortgage payment (PITI) with PMI, taxes, insurance and extra payments |
/api/v1/loan | Loan payment, total interest and APR (with origination fee) |
/api/v1/inflation | US inflation: value of a dollar between two years (CPI-U 1913–2026) |
/api/v1/cost-of-living | Cost of living between US states: equivalent salary before and after tax |
/api/v1/salary | Salary by occupation (BLS OEWS wages, national and by state) |
GET /api/v1/paycheck
Estimate a US paycheck for 2026: federal income tax, Social Security, Medicare, state income tax, state payroll taxes (e.g. CA SDI, NY PFL) and local tax (NYC, Yonkers, Philadelphia). Pass `salary` (annual) or `hourly` + `hours`. Pre-tax 401(k) and health premiums reduce taxable wages. See the calculator →
Parameters
| Name | Type | Default | Description |
|---|---|---|---|
state required | string | — | US state: 2-letter code (TX, CA, DC) or name |
salary | number (0–100000000) | — | Gross annual salary, USD |
hourly | number (0–5000) | — | Gross hourly wage, USD (instead of salary) |
hours | number (1–100) | 40 | Hours per week (with hourly) |
weeks | number (1–52) | 52 | Paid weeks per year (with hourly) |
frequency | weekly | biweekly | semimonthly | monthly | annual | biweekly | Pay frequency |
filing | single | married_joint | head_of_household | single | Federal filing status |
children | integer (0–15) | 0 | Children under 17 (Child Tax Credit) |
k401 | number (0–100) | 0 | Pre-tax 401(k)/403(b) contribution, % of gross |
health | number (0–100000000) | 0 | Pre-tax (Section 125) health premiums per year, USD |
locality | NYC | YONKERS | PHILADELPHIA | — | Local income tax, if any |
Example request
curl "https://takehome.tools/api/v1/paycheck?state=TX&salary=75000&frequency=biweekly&filing=single"
Example response
Computed by the same engine as the API when this page was built.
{
"data": {
"year": 2026,
"state": {
"code": "TX",
"name": "Texas"
},
"filing": "single",
"frequency": "biweekly",
"paychecks_per_year": 26,
"per_paycheck": {
"gross": 2884.62,
"federal_income_tax": 295,
"social_security": 178.85,
"medicare": 41.83,
"state_income_tax": 0,
"state_payroll_taxes": 0,
"local_tax": 0,
"pretax_401k": 0,
"pretax_health": 0,
"net": 2368.94
},
"annual": {
"gross": 75000,
"federal_income_tax": 7670,
"social_security": 4650,
"medicare": 1087.5,
"state_income_tax": 0,
"state_payroll_taxes": [],
"local_tax": 0,
"pretax_401k": 0,
"pretax_health": 0,
"total_tax": 13407.5,
"net": 61592.5
},
"effective_tax_rate": 0.1788,
"marginal_rates": {
"federal": 0.22,
"state": 0
}
},
"meta": {
"version": "1",
"docs": "https://takehome.tools/api",
"source": "https://takehome.tools/texas-paycheck-calculator",
"attribution": "Powered by TakeHome — https://takehome.tools/texas-paycheck-calculator"
}
}GET /api/v1/federal-tax
Federal income tax for 2026 with the bracket-by-bracket breakdown, marginal and effective rates. `mode=gross` subtracts the standard deduction first; `mode=taxable` treats `income` as taxable income. See the calculator →
Parameters
| Name | Type | Default | Description |
|---|---|---|---|
income required | number (0–100000000) | — | Annual income, USD |
filing | single | married_joint | married_separate | head_of_household | single | Filing status |
mode | gross | taxable | gross | gross = subtract the standard deduction; taxable = income is already taxable |
Example request
curl "https://takehome.tools/api/v1/federal-tax?income=85000&filing=single"
Example response
Computed by the same engine as the API when this page was built.
{
"data": {
"year": 2026,
"filing": "single",
"gross_income": 85000,
"standard_deduction": 16100,
"taxable_income": 68900,
"tax": 9870,
"marginal_rate": 0.22,
"effective_rate_on_taxable": 0.1433,
"effective_rate_on_gross": 0.1161,
"room_in_bracket": 36800,
"brackets": [
{
"rate": 0.1,
"from": 0,
"to": 12400,
"taxed_amount": 12400,
"tax": 1240
},
{
"rate": 0.12,
"from": 12400,
"to": 50400,
"taxed_amount": 38000,
"tax": 4560
},
{
"rate": 0.22,
"from": 50400,
"to": 105700,
"taxed_amount": 18500,
"tax": 4070
},
"… 4 more"
]
},
"meta": {
"version": "1",
"docs": "https://takehome.tools/api",
"source": "https://takehome.tools/tax-bracket-calculator",
"attribution": "Powered by TakeHome — https://takehome.tools/tax-bracket-calculator"
}
}GET /api/v1/uk-take-home
UK salary after tax for 2026-27 (England, Wales & NI or Scotland): income tax with the personal allowance taper, employee Class 1 NI, student loan plans 1/2/4/5 and postgraduate, and pension contributions (relief at source, net pay or salary sacrifice). Amounts in GBP. See the calculator →
Parameters
| Name | Type | Default | Description |
|---|---|---|---|
salary required | number (0–100000000) | — | Gross annual salary, GBP |
region | ruk | scotland | ruk | ruk = England, Wales & Northern Ireland |
pension_method | none | relief_at_source | net_pay | salary_sacrifice | none | |
pension_pct | number (0–100) | 0 | Employee pension contribution, % of salary |
student_loan | none | plan1 | plan2 | plan4 | plan5 | none | |
postgrad_loan | boolean | false | Repaying a postgraduate loan |
tax_code | string | — | Tax code override (e.g. 1257L, S1257L, BR, K100) |
Example request
curl "https://takehome.tools/api/v1/uk-take-home?salary=45000®ion=ruk&pension_method=relief_at_source&pension_pct=5&student_loan=plan2"
Example response
Computed by the same engine as the API when this page was built.
{
"data": {
"tax_year": "2026-27",
"region": "ruk",
"tax_code": "1257L",
"annual": {
"gross": 45000,
"income_tax": 6486,
"national_insurance": 2594.4,
"student_loan": 1405.35,
"postgrad_loan": 0,
"pension": 2250,
"take_home": 32714.25
},
"monthly_take_home": 2726.19,
"weekly_take_home": 629.12,
"personal_allowance": 12570,
"taxable_income": 32430,
"effective_rate": 0.2018,
"marginal_rate": 0.37,
"employer_ni": 6000,
"warnings": [],
"currency": "GBP"
},
"meta": {
"version": "1",
"docs": "https://takehome.tools/api",
"source": "https://takehome.tools/uk-salary-calculator",
"attribution": "Powered by TakeHome — https://takehome.tools/uk-salary-calculator"
}
}GET /api/v1/401k
Project a 401(k) balance at retirement: monthly contributions, employer match (e.g. 50% up to 6% of salary), salary growth and investment return, capped at the 2026 IRS limits (including age-50 and age 60–63 catch-ups). See the calculator →
Parameters
| Name | Type | Default | Description |
|---|---|---|---|
age required | integer (16–80) | — | Current age |
retire_age | integer (17–90) | 65 | Retirement age |
salary required | number (0–100000000) | — | Current annual salary, USD |
balance | number (0–100000000) | 0 | Current 401(k) balance, USD |
contribution_pct | number (0–100) | 10 | Your contribution, % of salary |
match_pct | number (0–200) | 50 | Employer matches this % of your contributions |
match_cap_pct | number (0–100) | 6 | …on contributions up to this % of salary |
salary_growth_pct | number (-10–20) | 3 | Annual raise, % |
return_pct | number (-20–30) | 7 | Annual investment return, % |
inflation_pct | number (0–20) | 2.5 | Inflation for today's-dollars value, % |
Example request
curl "https://takehome.tools/api/v1/401k?age=30&retire_age=65&salary=80000&contribution_pct=10&match_pct=50&match_cap_pct=6"
Example response
Computed by the same engine as the API when this page was built.
{
"data": {
"years": 35,
"balance_at_retirement": 2109093.96,
"balance_in_todays_dollars": 888711.17,
"your_contributions": 483696.65,
"employer_contributions": 145109,
"investment_growth": 1480288.31,
"limits_2026": {
"employee_deferral": 24500,
"base_deferral": 24500,
"annual_additions": 72000
},
"by_year": [
{
"age": 31,
"salary": 80000,
"you": 8000,
"employer": 2400,
"hit_limit": false,
"balance": 10729.59
},
{
"age": 32,
"salary": 82400,
"you": 8240,
"employer": 2472,
"hit_limit": false,
"balance": 22532.14
},
{
"age": 33,
"salary": 84872,
"you": 8487.2,
"employer": 2546.16,
"hit_limit": false,
"balance": 35492.41
},
"… 32 more"
]
},
"meta": {
"version": "1",
"docs": "https://takehome.tools/api",
"source": "https://takehome.tools/401k-calculator",
"attribution": "Powered by TakeHome — https://takehome.tools/401k-calculator"
}
}GET /api/v1/compound-interest
Future value of a starting balance plus monthly contributions at a nominal annual rate, compounded daily, monthly, quarterly, semiannually, annually or continuously. Rates are in percent (7 = 7%). See the calculator →
Parameters
| Name | Type | Default | Description |
|---|---|---|---|
principal | number (0–100000000) | 0 | Starting balance, USD |
monthly | number (0–100000000) | 0 | Contribution per month, USD |
rate required | number (-50–100) | — | Nominal annual interest rate, % |
years required | integer (1–100) | — | Years to grow |
compounding | daily | monthly | quarterly | semiannually | annually | continuously | monthly | |
timing | end | start | end | Contributions at the end or start of each month |
contribution_growth_pct | number (0–50) | 0 | Yearly increase of the monthly contribution, % |
inflation_pct | number (0–50) | 0 | Inflation for today's-dollars value, % |
Example request
curl "https://takehome.tools/api/v1/compound-interest?principal=10000&monthly=500&rate=7&years=20"
Example response
Computed by the same engine as the API when this page was built.
{
"data": {
"final_balance": 300850.72,
"total_contributions": 130000,
"total_interest": 170850.72,
"final_balance_in_todays_dollars": 300850.72,
"apy": 0.0723,
"by_year": [
{
"year": 1,
"contributions": 16000,
"interest": 919.19,
"balance": 16919.19
},
{
"year": 2,
"contributions": 22000,
"interest": 2338.58,
"balance": 24338.58
},
{
"year": 3,
"contributions": 28000,
"interest": 4294.31,
"balance": 32294.31
},
"… 17 more"
]
},
"meta": {
"version": "1",
"docs": "https://takehome.tools/api",
"source": "https://takehome.tools/compound-interest-calculator",
"attribution": "Powered by TakeHome — https://takehome.tools/compound-interest-calculator"
}
}GET /api/v1/mortgage
Monthly principal & interest plus property tax, homeowners insurance, PMI (removed per the Homeowners Protection Act at 78% LTV or the loan midpoint) and HOA. Give the down payment in dollars (`down`) or percent (`down_pct`, default 20). See the calculator →
Parameters
| Name | Type | Default | Description |
|---|---|---|---|
price required | number (0–100000000) | — | Home price, USD |
down | number (0–100000000) | — | Down payment, USD |
down_pct | number (0–100) | — | Down payment, % of price (default 20 when `down` is not given) |
rate required | number (0–30) | — | Interest rate, % per year |
years | integer (1–50) | 30 | Loan term, years |
property_tax | number (0–100000000) | 0 | Property tax per year, USD |
insurance | number (0–100000000) | 0 | Homeowners insurance per year, USD |
pmi_rate | number (0–5) | 0.5 | PMI per year, % of the loan (applies when down payment < 20%) |
hoa | number (0–100000000) | 0 | HOA dues per month, USD |
extra_monthly | number (0–100000000) | 0 | Extra principal paid every month, USD |
Example request
curl "https://takehome.tools/api/v1/mortgage?price=400000&down_pct=10&rate=6.5&years=30&property_tax=4800&insurance=1500"
Example response
Computed by the same engine as the API when this page was built.
{
"data": {
"loan_amount": 360000,
"down_payment": 40000,
"ltv": 0.9,
"monthly": {
"principal_interest": 2275.44,
"property_tax": 400,
"insurance": 125,
"pmi": 150,
"hoa": 0,
"total": 2950.44
},
"pmi": {
"months": 109,
"ends": "78%",
"total": 16350
},
"payoff_months": 360,
"totals": {
"interest": 459164,
"property_tax": 144000,
"insurance": 45000,
"pmi": 16350,
"hoa": 0,
"all_payments": 1024514
},
"extra_payments": null
},
"meta": {
"version": "1",
"docs": "https://takehome.tools/api",
"source": "https://takehome.tools/mortgage-calculator",
"attribution": "Powered by TakeHome — https://takehome.tools/mortgage-calculator"
}
}GET /api/v1/loan
Fixed-rate installment loan (personal, auto, any amortizing loan): monthly payment, total interest and the true APR when an origination fee is deducted from the proceeds or added to the balance. See the calculator →
Parameters
| Name | Type | Default | Description |
|---|---|---|---|
amount required | number (0–100000000) | — | Loan amount, USD |
rate required | number (0–100) | — | Interest rate, % per year |
months required | integer (1–600) | — | Term in months |
fee_pct | number (0–50) | 0 | Origination fee, % of the amount |
fee_mode | deducted | added | deducted | Fee taken from the proceeds, or financed on top |
Example request
curl "https://takehome.tools/api/v1/loan?amount=20000&rate=9.5&months=60"
Example response
Computed by the same engine as the API when this page was built.
{
"data": {
"monthly_payment": 420.04,
"total_paid": 25202.23,
"total_interest": 5202.23,
"principal": 20000,
"fee": 0,
"cash_received": 20000,
"cost_of_borrowing": 5202.23,
"apr": 9.5
},
"meta": {
"version": "1",
"docs": "https://takehome.tools/api",
"source": "https://takehome.tools/loan-calculator",
"attribution": "Powered by TakeHome — https://takehome.tools/loan-calculator"
}
}GET /api/v1/inflation
What an amount of money in one year is worth in another, using the BLS CPI-U (U.S. city average). Full years use the annual average; 2026 uses the latest month (September 2026). See the calculator →
Parameters
| Name | Type | Default | Description |
|---|---|---|---|
amount | number (0–1000000000000) | 100 | Dollar amount |
from required | integer (1913–2026) | — | Year the amount is from |
to | integer (1913–2026) | 2026 | Year to express it in |
Example request
curl "https://takehome.tools/api/v1/inflation?amount=100&from=2000&to=2026"
Example response
Computed by the same engine as the API when this page was built.
{
"data": {
"amount": 100,
"from": 2000,
"to": 2026,
"value": 195.67,
"cumulative_inflation": 0.9567,
"average_annual_rate": 0.0259,
"cpi_from": 172.2,
"cpi_to": 336.94,
"latest_data": "September 2026",
"series": "CUUR0000SA0"
},
"meta": {
"version": "1",
"docs": "https://takehome.tools/api",
"source": "https://takehome.tools/inflation-calculator",
"attribution": "Powered by TakeHome — https://takehome.tools/inflation-calculator"
}
}GET /api/v1/cost-of-living
Compare price levels between two states with BEA Regional Price Parities (2024 data) and 2026 state + federal taxes: the salary you need in `to` to keep the same purchasing power, by prices alone and after taxes. See the calculator →
Parameters
| Name | Type | Default | Description |
|---|---|---|---|
salary required | number (0–100000000) | — | Current gross annual salary, USD |
from required | string | — | Current state (code or name) |
to required | string | — | State you're comparing with (code or name) |
filing | single | married_joint | head_of_household | single | Federal filing status |
Example request
curl "https://takehome.tools/api/v1/cost-of-living?salary=90000&from=TX&to=CA"
Example response
Computed by the same engine as the API when this page was built.
{
"data": {
"salary": 90000,
"from": {
"code": "TX",
"name": "Texas",
"price_index": 97.057
},
"to": {
"code": "CA",
"name": "California",
"price_index": 110.72
},
"price_difference": 0.1408,
"equivalent_salary": 102669.57,
"equivalent_salary_after_tax": 115859.49,
"take_home": {
"current": 72145,
"needed_in_to": 82301.06,
"same_salary_in_to": 66850.02
},
"purchasing_power_change_same_salary": -0.1877,
"categories": [
{
"category": "goods",
"from": 98.083,
"to": 106.098,
"difference": 0.0817
},
{
"category": "housing",
"from": 96.503,
"to": 154.346,
"difference": 0.5994
},
{
"category": "utilities",
"from": 87.512,
"to": 158.899,
"difference": 0.8157
},
{
"category": "otherServices",
"from": 97.081,
"to": 102.591,
"difference": 0.0568
}
],
"rpp_year": 2024
},
"meta": {
"version": "1",
"docs": "https://takehome.tools/api",
"source": "https://takehome.tools/cost-of-living-calculator",
"attribution": "Powered by TakeHome — https://takehome.tools/cost-of-living-calculator"
}
}GET /api/v1/salary
Wages for an occupation from BLS Occupational Employment and Wage Statistics (May 2025): median, mean and 10th–90th percentile annual pay, hourly median and employment. Search by job title (`nurse`, `software engineer`) or SOC code; add `state` for that state's median. See the calculator →
Parameters
| Name | Type | Default | Description |
|---|---|---|---|
occupation required | string | — | Job title or SOC code, e.g. 'electrician' or '47-2111' |
state | string | — | Optional state (code or name) for state wages |
limit | integer (1–10) | 3 | Number of matches to return |
Example request
curl "https://takehome.tools/api/v1/salary?occupation=registered+nurse&state=CA&limit=1"
Example response
Computed by the same engine as the API when this page was built.
{
"data": {
"release": "BLS OEWS May 2025",
"results": [
{
"occupation": "Registered Nurse",
"bls_title": "Registered Nurses",
"soc": "29-1141",
"group": "Healthcare Practitioners and Technical Occupations",
"national": {
"median_annual": 97550,
"mean_annual": 101420,
"median_hourly": 46.9,
"percentiles_annual": {
"p10": 68940,
"p25": 80330,
"p50": 97550,
"p75": 112350,
"p90": 137470
},
"employment": 3379720
},
"state": {
"code": "CA",
"name": "California",
"median_annual": 140270,
"mean_annual": 150280,
"employment": 338940
},
"url": "https://takehome.tools/registered-nurse-salary"
}
]
},
"meta": {
"version": "1",
"docs": "https://takehome.tools/api",
"source": "https://takehome.tools/registered-nurse-salary",
"attribution": "Powered by TakeHome — https://takehome.tools/registered-nurse-salary"
}
}Response format
Successful calls return HTTP 200 with the result in data and links in meta:
{
"data": {
"…": "…"
},
"meta": {
"version": "1",
"docs": "https://takehome.tools/api",
"source": "https://takehome.tools",
"attribution": "Powered by TakeHome — https://takehome.tools"
}
}Errors
400 | Invalid or missing parameters. details lists each problem as { param, message }. |
404 | Unknown endpoint on this domain (each site serves only its own calculators). |
429 | Rate limit exceeded. Wait for the number of seconds in the Retry-After header. |
{
"error": "Invalid parameters.",
"details": [
{
"param": "state",
"message": "Invalid input: expected number, received string"
}
],
"docs": "https://takehome.tools/api"
}Rate limits and caching
- 120 requests per minute per IP address. Over the limit you get 429 with Retry-After.
- No API key, no sign-up. CORS is open (Access-Control-Allow-Origin: *), so you can call it from the browser.
- Deterministic GET responses are cached at the edge for 24 hours (Cache-Control: public, s-maxage=86400); cache them on your side too.
- Random generators and POST responses are never cached.
- Need more? Email us — we're happy to raise limits for reasonable use.
Attribution
The API is free. In return we ask (but don't enforce) a visible credit with a followed link to the page in meta.source wherever you show results:
<a href="https://takehome.tools">Powered by TakeHome</a>
OpenAPI spec
A machine-readable OpenAPI 3.1 description of every endpoint is at https://takehome.tools/api/v1/openapi.json — import it into Postman, Insomnia, or a client generator.
Terms
Use of the API is covered by our Terms of Use. Results are estimates for information only — not tax, legal or financial advice — and TakeHome is provided as is, without warranty. Don't resell raw access, hammer the endpoints, or present the numbers as your own engine's. We may change or rate-limit the API; breaking changes get a new version (/api/v2).
Related
Frequently asked questions
Is the TakeHome API really free?
Yes. There is no key, no sign-up and no paid tier. Calls are limited to 120 per minute per IP address, and we ask for a visible “Powered by TakeHome” link where you show the numbers.
How accurate are the paycheck numbers?
The API runs the same 2026 engine as our calculators: IRS brackets and standard deductions from Rev. Proc. 2025-32, 2026 FICA (6.2% Social Security up to the wage base, 1.45% Medicare plus 0.9% additional), and each state's 2026 brackets and payroll taxes. Results are annualized estimates; real withholding depends on the W-4 and the employer's payroll system.
Can I call the API from the browser?
Yes. CORS is open (Access-Control-Allow-Origin: *), so fetch() works from any website. Deterministic GET responses are cached at the edge for 24 hours, so repeated calls are fast.
Do I have to show attribution?
It's requested, not enforced. Every response includes meta.attribution and meta.source — a short credit with a link to the matching calculator page is all we ask.
Is there an OpenAPI spec?
Yes, at /api/v1/openapi.json (OpenAPI 3.1). Import it into Postman or Insomnia, or generate a client from it.
Your business here? Sponsor this calculator from $19/week. See placements
Estimates for information only — not tax, legal or financial advice.