Paycheck Calculator (Take-Home Pay)

See what actually lands in your bank account after federal income tax, Social Security, Medicare, state tax and retirement contributions — per paycheck.

Annual salary ($)

Pay frequency

Filing status

401(k) contribution (% of salary)

State income tax rate (%)

Take-home per paycheck

—

Gross per paycheck—

Federal income tax—

Social Security (6.2%)—

Medicare (1.45%)—

State tax—

401(k)—

Annual take-home—

Overall deduction rate—

Take-home Federal FICA State 401(k)

Federal tax uses 2025 brackets + standard deduction; 401(k) is pre-tax. Social Security capped at $176,100 wages; +0.9% Medicare above $200,000.

How take-home pay is calculated

Gross pay minus pre-tax 401(k), then federal income tax (2025 brackets after standard deduction), FICA (6.2% Social Security up to the wage cap + 1.45% Medicare, plus 0.9% additional Medicare over $200k), and your state's income tax rate. Enter 0% state tax for TX, FL, WA, NV, TN, SD, WY, AK, NH.

FAQ

Why is my actual paycheck slightly different?

Employers withhold using IRS Form W-4 tables, and benefits like health insurance premiums also reduce pay. This tool estimates true tax liability spread evenly across paychecks.

Does contributing to a 401(k) lower my taxes?

Yes — traditional 401(k) contributions reduce federal and state taxable income now. Move the slider and watch the federal tax line drop.