Paycheck Calculator
See your take-home pay per paycheck after all taxes and deductions.
Per-Paycheck Deduction Breakdown
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Annual Summary
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Official Tax Rate Sources
This calculator provides estimates only. It uses the standard deduction and does not account for itemized deductions, pre-tax benefits (401k, health insurance), tax credits, local/city taxes, or other payroll deductions. Your actual paycheck may differ. Consult a tax professional or your employer's payroll department for exact figures. U.S. federal and state taxes only.
This tool is for informational and educational purposes only. It is not a substitute for professional financial, medical, legal, or engineering advice. See Terms of Service.
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Request a ToolHow to Use the Paycheck Calculator
This calculator shows your net pay per paycheck after federal income tax, state income tax, Social Security, and Medicare are deducted. Here is how to get started:
- Select your tax year. Choose 2026 or 2025. The calculator uses official IRS brackets and FICA rates for each year.
- Enter your details. Pick your filing status, state, and annual salary. If you have dependents, enter them too.
- Choose your pay frequency. Select weekly (52), biweekly (26), semimonthly (24), or monthly (12). The calculator divides your annual tax burden evenly across pay periods.
- Review your results. Your per-paycheck net pay appears instantly. Scroll down for a full deduction breakdown and annual summary.
About the Paycheck Calculator
Every paycheck includes mandatory withholdings before you receive your net pay. Your employer withholds federal income tax based on IRS tax brackets, state income tax (in most states), Social Security tax (6.2% of wages up to the annual wage base), and Medicare tax (1.45% on all earnings, plus an additional 0.9% on earnings above $200,000 for single filers).
Your pay frequency determines the size of each paycheck. Someone earning $75,000 per year will receive larger individual checks on a monthly schedule (12 per year) compared to a biweekly schedule (26 per year), but the annual total is the same. This calculator splits your estimated annual tax evenly across your chosen pay periods so you can see what to expect each payday.
Keep in mind that pre-tax deductions like 401(k) contributions, health insurance premiums, and HSA contributions are not included here. Those would reduce your taxable income and change your withholding amounts.
Frequently Asked Questions
How is my paycheck calculated?
Your paycheck starts with gross pay (annual salary divided by the number of pay periods). From that, federal income tax, state income tax, Social Security (6.2%), and Medicare (1.45%) are deducted. The remainder is your net pay, which is the amount deposited into your bank account. This calculator estimates those deductions using official IRS brackets and the standard deduction.
What taxes are deducted from my paycheck?
Four main taxes are deducted: federal income tax (based on IRS tax brackets and your filing status), state income tax (varies by state, with some states charging 0%), Social Security tax (6.2% up to the wage base limit), and Medicare tax (1.45% on all wages, plus 0.9% on high earners). Some localities also charge city or county income tax, which this calculator does not include.
What is the difference between gross and net pay?
Gross pay is your total earnings before any deductions. Net pay (also called take-home pay) is what you actually receive after federal tax, state tax, Social Security, Medicare, and any other withholdings are subtracted. For example, if your gross paycheck is $2,885 and total deductions are $665, your net pay is $2,220.
Does this include state taxes?
Yes. This calculator includes state income tax for all 50 states and Washington D.C. States with no income tax (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming) will show $0 for state tax. The calculator does not include local or city income taxes.