Paycheck After Tax Calculator
Calculate your exact U.S. take-home pay after federal, state, and FICA taxes by state.
Free Paycheck Calculator — U.S. Take-Home Pay After Tax
Calculate your real take-home paycheck after federal income tax, state income tax, Social Security, and Medicare. Works for all 50 states plus D.C. Whether you're paid weekly, bi-weekly, semi-monthly, or monthly — see exactly how much actually hits your bank account.
How to use this tool
- 1
Enter your gross annual salary
Your salary before any taxes or deductions.
- 2
Pick your state
State income tax varies hugely — Texas and Florida have none, California is nearly 10%.
- 3
Choose filing status and pay frequency
Single or married filing jointly; weekly through monthly.
- 4
Add pre-tax deductions
401(k), HSA, and FSA contributions reduce your taxable income.
- 5
See your paycheck
Federal, state, FICA, effective tax rate, and per-paycheck take-home.
Pro tips
- Moving from California to Texas can boost take-home pay by 7–10% on the same gross salary.
- Max your pre-tax 401(k) and HSA to lower federal and state tax in one shot.
- FICA caps at $168,600 of wages (2024) for Social Security — earnings above that aren't taxed for SS.
Frequently asked questions
Does this include local city taxes?
No — only federal, state, Social Security, and Medicare. New York City, Philadelphia, and a few others have city taxes you'd add on top.
How accurate is this paycheck calculator?
It's a close estimate. Your real W-2 reflects your specific W-4 choices, benefits, and any local taxes.
What's FICA?
Federal Insurance Contributions Act — Social Security (6.2%) + Medicare (1.45%). Your employer matches it, so total is 15.3%.
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