How accurate is this paycheck calculator?

It uses 2025 federal brackets and the standard deduction, plus FICA (6.2% Social Security up to $168,600 and 1.45% Medicare). Local taxes, 401(k), HSA and pre-tax benefits are not included — your real check may be lower.

Which states have no income tax?

Alaska, Florida, Nevada, New Hampshire (wages only), South Dakota, Tennessee, Texas, Washington and Wyoming. Use 0% for the state rate.

What is the Social Security wage cap?

In 2025, Social Security tax stops at $168,600 of wages. Medicare has no cap.

Does this include 401(k) or health insurance?

No — to estimate with pre-tax deductions, subtract them from your gross salary before entering it here.

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Finance Calculators

Paycheck Calculator (US)

Estimate US take-home pay after federal, FICA and state taxes.

Finance Calculators

Annual Gross Salary ($)

Filing Status

Pay Frequency

State Income Tax (%)

Use 0 for TX, FL, WA, NV, etc.

Result

Take-home per biweekly

$2,198.90

Annual Net

$57,171.50

Total Tax (Fed + FICA + State)

$17,828.50

23.8% effective rate

Formula

Net = Gross − Federal Tax − Social Security (6.2%) − Medicare (1.45%) − State Tax

How to use the Paycheck Calculator (US)

Enter your annual gross salary
Pick your filing status (single or married)
Choose how often you're paid
Add your state income tax rate (0 for no-state-tax states)

Frequently asked questions

4 answers

Paycheck Calculator (US)

Result

Formula

How to use the Paycheck Calculator (US)

Frequently asked questions

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