Paycheck Calculator

Estimate your take-home pay from an hourly wage or annual salary. Enter your pay frequency, filing status and state rate to see federal tax, Social Security, Medicare and net pay per paycheck.

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Advanced (401k, deductions, extra withholding)
Take-home pay —

Annual breakdown

Gross pay—
Federal income tax—
Social Security—
Medicare—
State tax—
401(k)—
Net (take-home)—
Effective tax rate—

Estimate only. Actual withholding depends on your W-4 and employer. Federal and FICA figures use 2026 IRS values; state tax is the flat rate you enter.

How to Estimate Your Take-Home Pay

Gross in, net out — with the full breakdown in between.

1

Enter your pay

Choose salary or hourly. For hourly, enter your rate and hours per week; for salary, enter the annual amount.

2

Set frequency and filing status

Pick how often you're paid and your filing status, then add your state's flat income tax rate if it applies.

3

Read the breakdown

See take-home pay per paycheck plus the full annual breakdown — federal tax, Social Security, Medicare, state tax and 401(k). Open Advanced to add a 401(k) rate, pre-tax deductions or extra withholding.

Frequently Asked Questions

How is take-home pay calculated?
Start from gross pay, subtract pre-tax items like 401(k) and health premiums, then subtract federal income tax, Social Security, Medicare, and any state tax. What remains is your net (take-home) pay.
What is FICA?
FICA is the payroll tax for Social Security (6.2% up to an annual wage base) and Medicare (1.45%, plus 0.9% on wages above a filing-status threshold). It is withheld separately from federal income tax.
How does my 401(k) affect my paycheck?
Traditional 401(k) contributions are pre-tax, so they lower your federal (and state) taxable income and your income-tax withholding — but they do not reduce Social Security or Medicare, which still apply to the full wage.
Is this calculator accurate for my state?
It applies a flat state rate you enter, so it is an estimate. States with brackets, local taxes, or no income tax will differ from a single-rate figure. Federal and FICA figures use 2026 IRS values.