Take-Home Paycheck Calculator
See your net pay after taxes and deductions.
2025 estimate: federal brackets + FICA (Social Security 6.2% to $176,100.00, Medicare 1.45%) + a flat state rate. Actual withholding varies.
About the Take-Home Paycheck Calculator
See what actually lands in your bank account each payday. Enter your annual salary, filing status, pay frequency, state tax rate, and pre-tax 401(k) percentage, and the calculator subtracts federal income tax (2025 brackets), FICA (Social Security and Medicare), state tax, and your retirement contribution to show your net pay per paycheck and per year, with a full breakdown of every deduction.
How to use the Take-Home Paycheck Calculator
- 1Enter your annual salary, filing status, pay frequency, state rate, and 401(k) %.
- 2Read the result instantly — it recalculates as you type.
- 3Adjust the numbers to model different scenarios.
Frequently asked questions
What is taken out of my paycheck?
Federal income tax, Social Security (6.2%), Medicare (1.45%), any state income tax, and pre-tax deductions like 401(k) and health premiums. This tool covers the main ones.
What is FICA?
The combined Social Security and Medicare payroll tax. Social Security is 6.2% up to an annual wage base; Medicare is 1.45% on all wages, plus 0.9% over a high-income threshold.
How can I increase my take-home pay?
Adjusting pre-tax contributions changes both your taxes and take-home. Note that pre-tax 401(k) lowers taxable income now but is taxed later.