5 Ways to Maximize Your Take-Home Pay

Published on July 28, 2025

Your take-home pay is what really matters—it's the money you actually keep after taxes, deductions, and contributions. Here are five actionable strategies to boost your real paycheck without asking for a raise.

1. Adjust Your Tax Withholding

If you regularly receive a large tax refund, you’re essentially giving the government an interest-free loan. Adjust your W-4 form so you withhold less and take home more each month.

2. Maximize Pre-Tax Contributions

Contributing to a 401(k) or HSA can reduce your taxable income, lowering your tax bill and increasing your effective take-home pay. Use our Take-Home Pay Calculator to see how this impacts your paycheck.

3. Review Your Benefits

Sometimes, optional benefits like life insurance or extra disability coverage can add up. Make sure you’re only paying for what you really need.

4. Minimize Payroll Deductions

Understand every line on your paycheck. Small deductions like wellness programs or commuter benefits can add up over time.

5. Use FSAs or Dependent Care Accounts

Flexible Spending Accounts let you pay for eligible expenses with pre-tax dollars, which reduces your taxable income and boosts take-home pay.