Paycheck Calculator
Estimate your take-home pay after federal income tax, state tax, Social Security (6.2%), and Medicare (1.45%). Works for salary and hourly workers.
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Understanding Your Paycheck
Your paycheck has two main parts: gross pay (total earned) and net pay (take-home after deductions). Federal income tax uses progressive brackets — only income within each bracket is taxed at that rate. FICA taxes (Social Security at 6.2% and Medicare at 1.45%) apply to all earned income.
Common Deductions
Federal Income Tax: Based on your filing status, income level, and W-4 elections. Uses 2025 tax brackets with standard deduction applied.
State Income Tax: Varies by state from 0% (Florida, Texas, etc.) to over 13% (California). Nine states have no income tax.
FICA: Social Security (6.2% up to $168,600 in 2025) and Medicare (1.45% on all earnings, plus 0.9% additional Medicare tax on earnings over $200,000).
Pre-tax deductions: 401K contributions and health insurance premiums reduce your taxable income, effectively giving you a tax break.