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Paycheck Calculator

Paycheck Calculator

See your exact take-home pay after all federal and state deductions.

Your Paycheck Details

Gross Pay Per Period

Your pay before any deductions

Pay Frequency

Federal Filing Status

State

Select to include state income tax

Pre-Tax Deductions (per period)

401(k), health insurance, FSA, etc.

Post-Tax Deductions (per period)

Roth 401(k), union dues, garnishments

Results update automatically

Your Net Paycheck

Estimated

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Results update automatically as you change values

$75,000/year — Bi-weekly — Single — No state tax — 2026 rates

Our paycheck calculator gives you an accurate estimate of your net pay after all deductions — federal income tax, state income tax, Social Security, and Medicare. Whether you're paid weekly, bi-weekly, semi-monthly, or monthly, enter your gross pay and filing details to see exactly what hits your bank account.

Your pay stub shows all deductions between gross and net pay. Federal income tax is the largest deduction for most workers. Social Security + Medicare (FICA) together take 7.65% from every paycheck. State income tax ranges from 0% (TX, FL) to over 13% (CA).

2026 Assumptions

2026 federal income tax brackets and rates are used.
Standard withholding is calculated using IRS Publication 15-T wage bracket method.
Social Security tax: 6.2% on wages up to $176,100.
Medicare tax: 1.45% on all wages (additional 0.9% over $200,000 for single filers not included in basic calculation).
State tax calculations use each state's 2026 published rates.
Pre-tax deductions reduce the income subject to both income tax and FICA (where applicable — 401k is FICA-exempt for Social Security/Medicare purposes).
No local taxes are included except where noted on state-specific pages.
Results are estimates. Actual withholding may vary based on your complete W-4 elections.

Why does my actual paycheck differ from the calculator result?

The calculator provides a standard estimate. Your actual withholding can vary based on the specific W-4 elections you submitted (extra withholding, exemptions claimed, multiple jobs adjustment), employer-specific benefits deductions, and state-specific local taxes not captured in the basic calculation.

What is the difference between gross pay and net pay?

Gross pay is your total compensation before any deductions — what your employer pays you. Net pay (take-home pay) is what remains after federal and state income tax, Social Security, Medicare, and other deductions are subtracted. The gap between the two is often larger than people expect, especially at higher income levels.

What are pre-tax deductions and how do they help?

Pre-tax deductions are contributions made before income taxes are calculated — common examples include 401(k) contributions, health insurance premiums through your employer, FSA/HSA contributions, and commuter benefits. These reduce your taxable income, which lowers both your federal and state income tax, effectively giving you a discount equal to your marginal tax rate.

How do I find my pay frequency?

Check your pay stub or ask your HR department. Most US workers are paid bi-weekly (every two weeks, 26 times per year) or semi-monthly (twice a month, 24 times per year). Weekly and monthly pay periods are less common but still used by many employers.

View for a specific state:

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Accuracy & Methodology

Our calculators use current US tax rates and standard financial formulas. Results are estimates intended for planning purposes and do not constitute financial advice. Learn about our methodology ›

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