Take-Home Pay Calculator
See your per-paycheck breakdown after federal, state, and FICA taxes.
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 Take-Home Pay Calculator
This calculator shows your per-paycheck take-home pay after federal income tax, state income tax, Social Security, and Medicare are deducted. Here is how to use it:
- Select your tax year. Choose 2026 (current year) or 2025. The calculator uses the official IRS brackets and FICA rates for each year.
- Choose your filing status. Single, Married Filing Jointly, Married Filing Separately, or Head of Household. This determines your tax brackets and standard deduction amount.
- Select your state. All 50 states plus D.C. are included. States with no income tax (Florida, Texas, etc.) will show $0 state tax per paycheck.
- Enter your annual salary. This is your gross annual pay before any deductions.
- Choose your pay frequency. Select how often you get paid: weekly (52 times), biweekly (26 times), semimonthly (24 times), or monthly (12 times). The calculator divides your annual taxes evenly across pay periods.
- Review your results. The per-paycheck breakdown shows exactly how much goes to each tax category, and the annual summary gives you the full-year picture.
About Take-Home Pay
Take-home pay (also called net pay) is the amount you actually receive in each paycheck after all tax withholdings. Your employer withholds federal income tax, state income tax (in most states), Social Security tax (6.2% up to the wage base), and Medicare tax (1.45% on all earnings, plus 0.9% above $200,000 for single filers).
The amount withheld per paycheck depends on your pay frequency. Someone paid biweekly receives 26 paychecks per year, so each check is smaller than a semimonthly paycheck (24 per year), even though the annual total is the same. This calculator divides your estimated annual tax burden evenly across your chosen pay periods to show you what each paycheck looks like.
Note that this estimate does not include pre-tax deductions like 401(k) contributions, health insurance premiums, or FSA/HSA contributions, which would further reduce your taxable income and change your withholding.
Frequently Asked Questions
Why does my actual paycheck differ from this estimate?
This calculator estimates taxes based on your annual salary and the standard deduction. Your actual paycheck may differ because of pre-tax deductions (401k, health insurance, HSA), tax credits, W-4 withholding adjustments, local or city taxes, and other payroll items. Use this as a planning estimate, not an exact prediction of your paycheck amount.
What is the difference between biweekly and semimonthly pay?
Biweekly pay means you are paid every two weeks, resulting in 26 paychecks per year. Semimonthly pay means you are paid twice per month (typically the 1st and 15th), resulting in 24 paychecks per year. With biweekly pay, each individual check is slightly smaller, but you receive two extra paychecks over the course of the year. The annual total is the same either way.
How much of my paycheck goes to taxes?
The total tax burden varies based on your income, filing status, and state. A single filer earning $75,000 in a state with no income tax might keep about 77% of their gross pay. In a high-tax state like California, that could drop to around 72%. Federal income tax, Social Security (6.2%), and Medicare (1.45%) apply everywhere, while state tax rates range from 0% to over 13% depending on the state.
Does this calculator include local or city taxes?
No. This calculator covers federal income tax, state income tax, Social Security, and Medicare only. Some cities and localities impose additional income taxes (for example, New York City, some Ohio cities, and some Pennsylvania municipalities). If you live or work in an area with local income tax, your actual take-home pay will be lower than shown here.