USPS Take-Home Pay Calculator

Estimate your net pay per pay period using verified 2026 APWU, NALC, and NPMHU schedules, with separate career, PTF, FTF, PSE, CCA, and MHA rates. Rural and EAS employees enter the exact rate from their PS Form 50. Everything runs in your browser; nothing is sent to a server.

Estimate your net pay per pay period based on grade, step, and deductions Updated August 2026

Schedule-specific effective date and source will appear here. Verify against your PS Form 50 or earnings statement.

Deductions & Withholding

Premium Pay (Optional)

Pay Period Breakdown
Gross Pay
$0
Total Deductions
$0
Net Pay (est.)
$0
Hourly Rate
$0
Detailed Breakdown
Annual Summary (26 Pay Periods)
Annual Gross
$0
Annual Net (est.)
$0
Effective Tax Rate
0%
Saved to your browser only — never sent to a server. Your inputs carry across all our calculators.

How This Calculator Works

The calculator pulls the selected rate from the official schedule and multiplies it by the straight-time hours entered for the pay period. Career annual schedules are converted using the USPS 2,080-hour divisor; official PTF, PSE, CCA, and MHA hourly rates remain exact hourly figures rather than being rounded through annualization. Rural regulars and EAS employees enter the annual salary from their PS Form 50, while RCAs enter their exact hourly rate.

Use Your Actual Deductions

Benefits, union dues, state and local taxes, additional withholding, and premium-pay eligibility vary by employee. Enter the amounts from your latest earnings statement instead of relying on a generic example. The result is a planning estimate, not a payroll calculation.

Premium Pay: Where Postal Checks Get Interesting

Few jobs have as many pay premiums as USPS. Overtime, penalty overtime, Sunday premium, and holiday-worked pay depend on employee status and the applicable agreement. Night differential is not one universal 10% rate: APWU and NPMHU schedules use published flat-dollar rates, and other crafts have their own rules. Enter the exact hourly night-differential amount from your earnings statement or official wage chart. City carriers on a T-6 string get a 2.1% carrier technician premium — toggle it on above. See our guides to USPS overtime rules and night differential and Sunday premium.

Common Mistakes to Avoid

First, select the correct employment status and legacy/current schedule—PTF rates are not interchangeable with FTR/PTR rates. Second, enter your actual straight-time hours, union dues, and night differential instead of relying on a generic example. Third, non-career employees should select 0% FERS and remove any TSP deduction. If any line differs, use our pay stub guide and verify against payroll.

Official Sources

Pay tables come from the official APWU regular schedule, APWU PTF schedule, APWU-USPS National Agreement, NALC March 7, 2026 pay chart, and NPMHU September 6, 2025 wage chart. Your PS Form 50 and earnings statement control if they differ.

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