About GS Take Home Pay Calculator

What this site does

GSTakeHomePay.com calculates estimated biweekly and annual net pay for U.S. federal employees on the General Schedule. The calculator accepts grade, step, locality, filing status, FERS tier, TSP contribution percentage, FEHB plan, and FEGLI election, then applies the deductions and taxes that determine take-home pay: FERS retirement contribution, Social Security (OASDI), Medicare and Additional Medicare, TSP elective deferral, FEHB enrollee share, FEGLI Basic premium, federal income tax under current standard deduction and bracket thresholds, and state income tax for all 50 states and DC.

Every parameter the calculator uses is sourced from a U.S. federal or state government primary source. The full source list and the verification process are documented on the methodology page.

Who operates this site

GSTakeHomePay.com is operated by Luke McMahon, Founder & Editor. Luke is responsible for the site's content, the calculator's logic, and the verification of every regulatory and statutory value the calculator uses. Editorial responsibility sits with one named individual rather than an anonymous brand.

Luke also operates other calculator sites in the same domain area, focused on U.S. federal pay, tax, and benefits. Each site is narrowly focused on one calculation domain and uses the same verification methodology described on this site.

The site uses AI tools as part of its content drafting and code generation workflow. AI is used as a working tool under direct human editorial oversight; it does not have an author byline anywhere on the site. Every value, citation, and regulatory claim published on the site is verified against its primary source and signed off by Luke as the named editor before going live. The full editorial workflow, source list, and verification process are documented on the editorial standards page.

You can verify Luke's identity through the following profiles:

How values are verified

This site treats the published calculator as a public claim about federal regulation and tax law. Every numeric value, rate, threshold, and bracket the calculator uses is traced to a U.S. government primary source before publication and re-verified during scheduled review cycles.

Primary sources used include:

U.S. Office of Personnel Management (OPM) — General Schedule pay tables, FEHB premiums, FEGLI rates, locality pay area definitions
Social Security Administration (SSA) — OASDI wage base and contribution rates
Internal Revenue Service (IRS) — federal income tax bracket thresholds and standard deductions (Revenue Procedure 2025-32), TSP elective deferral and catch-up limits (Notice 2025-67), Additional Medicare thresholds
U.S. Code, Title 5 — FERS contribution structure (5 U.S.C. §8422), TSP agency match (5 U.S.C. §8432(c)), Executive Level IV pay cap (5 U.S.C. §5304(g)(1))
State revenue departments — income tax rates, brackets, and deduction structures for all 50 states and the District of Columbia

The full methodology, source citations, and verification process are documented on the methodology page and the editorial process is documented on the editorial standards page.

What this site is not

GSTakeHomePay.com provides estimated calculations based on published federal and state regulations. It is informational and educational. It is not personalised tax advice, not financial advice, and not legal advice. The site has no relationship with the U.S. government or any federal agency. Users with personal tax, retirement, or financial planning questions should consult a qualified, credentialed professional licensed in their jurisdiction.

Contact and corrections

If you find a value that does not match its primary source, an outdated rate, an incorrect citation, or any other factual error, send it to luke@gstakehomepay.com. Reports include the page URL, the value in question, and a citation to the primary source that conflicts. Verified errors are corrected and the change is noted in the page's update history.