calculators.ws
💰

Paycheck Calculator - Calculate Your Take Home Pay

Free paycheck calculator to estimate your take-home pay after taxes and deductions. Calculate federal tax, state tax, Social Security, and Medicare withholdings.

Paycheck Calculator

Calculate your take-home pay after taxes and deductions

$

Your total pay before any deductions.

How often you get paid.

%

Your federal income tax bracket (10-37%).

%

Your state income tax rate (0% in some states).

%

Social Security tax rate (6.2% for 2026).

%

Medicare tax rate (1.45% standard).

$

401(k), health insurance, etc.

Your Paycheck Breakdown

Enter your values to see results

and click the "Calculate" button

What is a Paycheck Calculator?

A paycheck calculator estimates your take-home pay after taxes and deductions. It helps you understand how much of your gross salary you'll actually receive. By accounting for federal taxes, state taxes, Social Security, Medicare, and other deductions like 401(k) contributions, you can accurately plan your budget and financial goals.

How to Use This Calculator

  1. Enter your gross pay (before taxes)
  2. Select your pay frequency
  3. Enter your federal tax bracket
  4. Enter your state tax rate (if applicable)
  5. Adjust FICA rates if needed
  6. Add any other deductions (401k, insurance)
  7. Click Calculate to see your take-home pay

Paycheck Formula

Net Pay = Gross Pay - Federal Tax - State Tax - Social Security - Medicare - Other Deductions

Each deduction is calculated as a percentage of your gross pay, then subtracted to give your net (take-home) pay.

Frequently Asked Questions

What is the difference between gross and net pay?
Gross pay is your total earnings before any deductions. Net pay (take-home pay) is what you actually receive after taxes, Social Security, Medicare, and other deductions are subtracted.
What is FICA tax?
FICA (Federal Insurance Contributions Act) includes Social Security (6.2%) and Medicare (1.45%) taxes. Both employee and employer pay these, totaling 15.3%. Self-employed individuals pay the full 15.3%.
How do I know my federal tax bracket?
Federal tax brackets for 2026: 10% ($0-$11,600), 12% ($11,601-$47,150), 22% ($47,151-$100,525), 24% ($100,526-$191,950), 32% ($191,951-$243,725), 35% ($243,726-$609,350), 37% (over $609,350). These are for single filers.
Which states have no income tax?
Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire (dividends only), South Dakota, Tennessee, Texas, Washington, and Wyoming. Enter 0% for state tax if you live in these states.
Should I include 401(k) contributions?
Yes! Pre-tax 401(k) contributions reduce your taxable income and should be included in 'Other Deductions'. This lowers your tax withholding and affects your take-home pay.
Why is my actual paycheck different?
This calculator provides estimates. Actual paychecks vary due to: W-4 allowances, pre-tax benefits, local taxes, year-to-date income affecting tax brackets, and employer-specific deductions.

Related Calculators

Hourly to Salary Calculator

Convert hourly wage to annual salary

Salary to Hourly Calculator

Convert annual salary to hourly rate

Budget Calculator

Plan your budget with take-home pay

Explore more calculators

100+ calculators for finance, health, math, and everyday life

All Calculators