Paycheck Calculator
Estimate your take-home pay after federal tax, FICA, and state taxes
Understanding Your Paycheck
Your gross pay is what you earn before deductions. After federal tax, state tax, and FICA, your take-home (net) pay is what hits your bank account.
Guide
How it works
This calculator estimates your take-home pay by subtracting federal income tax, FICA taxes (Social Security + Medicare), and state taxes from your gross pay.
⚠️ Estimate only. Actual withholding depends on your W-4, credits, and other factors.
What is FICA?expand_more
FICA stands for Federal Insurance Contributions Act. It includes Social Security (6.2%) and Medicare (1.45%) taxes, totaling 7.65% of your gross pay.
How do I find my federal tax rate?expand_more
Use our Income Tax Calculator to find your marginal bracket, then enter that rate here. Or use an estimated rate like 22% for most middle-income earners.
What are pre-tax deductions?expand_more
401(k), HSA, and FSA contributions reduce your taxable income. Enter these under 'Other Deductions' to see their effect on your take-home pay.
Next steps