Paycheck Calculator
Calculate your take-home pay: federal income tax, Social Security, Medicare, and pre-tax deductions from your salary or hourly wage, per paycheck.
How the calculation works
Starts from your annual gross pay (your salary as entered, or your hourly wage × hours per week × 52 weeks), then splits it into your chosen pay frequency. Your 401(k)/403(b) contribution and HSA/health insurance premiums are subtracted before federal income tax is calculated, since both are pre-tax; HSA and health insurance also reduce the wages Social Security and Medicare tax apply to, but a traditional 401(k) contribution does not, that's real IRS payroll-tax treatment, not a simplification. Federal tax uses the 2026 standard deduction and brackets for your filing status. Selecting a supported state adds an estimated state income tax on top, using that state's own published brackets or flat rate. This is a standard-deduction estimate: it doesn't replicate your employer's exact W-4-based withholding tables, and states without a dedicated entry here, or local/city taxes, aren't included yet.
Formula
Gross Pay → subtract pre-tax deductions (401(k), HSA, health insurance) → Taxable Wages → subtract Federal Tax, Social Security (6.2%), and Medicare (1.45%, + 0.9% above the Additional Medicare Tax threshold) → Net Pay.
Examples
$75,000 salary, biweekly, single, no pre-tax deductions
$2,368.94 net pay per paycheck ($61,592.50 net pay per year)
$95,000 salary, biweekly, married filing jointly, 6% 401(k) + $200/period HSA & health insurance
$2,749.93 net pay per paycheck ($71,498.30 net pay per year)
$32/hour, 40 hours/week, weekly pay, single, 3% 401(k)
$1,036.61 net pay per paycheck ($53,903.78 net pay per year)
$75,000 salary, biweekly, single, California, no pre-tax deductions
$2,237.65 net pay per paycheck ($131.29 of that paycheck's tax is California state tax)
Paycheck Calculator by State
Add an estimated state income tax to your results by picking your state below, or use the State field in the calculator above.