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Paycheck Calculator

Estimate your take-home pay after federal and state tax, FICA and pre-tax deductions, for any pay frequency.

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Take-home (per paycheck)
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Total taxes
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Annual take-home
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Estimate only — actual withholding depends on your filing status, allowances and local taxes.

About the Paycheck Calculator

A paycheck calculator estimates your net (take-home) pay from your gross pay. It subtracts FICA (Social Security and Medicare, 7.65%), the federal and state income tax you enter, and any pre-tax deductions such as 401(k) or health insurance, then shows your net pay per paycheck and per year.

How Paycheck Calculator works

Net pay = gross − pre-tax deductions − income tax − FICA

FICA is a flat 7.65% of gross (6.2% Social Security + 1.45% Medicare). Income tax here is the combined federal + state rate you enter, applied after pre-tax deductions.

Example: ,500 biweekly, 12% federal + 5% state, deductions → FICA 1.25, tax 5, net ≈ ,883.75.

Common uses

  • Estimate take-home pay from gross salary
  • See how 401(k) and pre-tax deductions affect your paycheck
  • Compare net pay across pay frequencies
  • Budget around your actual take-home amount

Frequently asked questions

What is FICA?
FICA is the US payroll tax for Social Security (6.2%) and Medicare (1.45%) — 7.65% of your gross pay in total.
Why is this an estimate?
Real withholding depends on your filing status, allowances (W-4), tax brackets and local taxes. This uses a simple combined rate you provide.
What are pre-tax deductions?
Amounts taken out before income tax, like 401(k) contributions or health-insurance premiums. They lower your taxable pay.