Take-Home Paycheck Calculator
Calculate your net pay after federal, state, and FICA deductions.
Result
Fill in the fields above, then press Calculate.
Examples
Biweekly Paycheck on $65,000 Salary
With an annual salary of $65,000, single filing, and no state income tax, your gross biweekly pay is $2,500. After federal tax (~$277), Social Security ($155), and Medicare ($36), your estimated take-home pay is about $2,032 per paycheck.
Monthly Paycheck with Pre-Tax 401(k)
You earn $90,000 annually, paid monthly, and contribute 10% ($750/month) to a pre-tax 401(k). Your taxable gross drops to $6,750/month. After federal tax (~$825), state tax (~$340), Social Security ($465), and Medicare ($109), your net monthly paycheck is approximately $5,011.
Frequently Asked Questions
Why is this an estimate?
Actual withholding depends on your W-4 elections, local taxes, additional deductions, and tax credits. This calculator provides a simplified approximation using standard deductions and flat state tax rates.
What is the Social Security wage cap?
For 2026, Social Security tax (6.2%) applies only to the first $184,500 of earnings. Income above this cap is not subject to Social Security tax.
How do pre-tax deductions help?
Pre-tax deductions like 401(k) contributions and health insurance premiums reduce your taxable income, lowering federal and state taxes. They do not reduce Social Security or Medicare taxes.
Result
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Quick Tips
Double check your inputs. Ensure units match (e.g., inches vs cm).
Did you know?
Calculators are estimates. Consult professionals for critical decisions.