Paycheck Calculator
Estimate your real take-home pay after federal tax, Social Security, Medicare, and an estimated state tax. See your net pay per paycheck and per year in seconds.
How This Paycheck Calculator Works
This tool uses a simplified tax model to estimate your take-home pay. It converts your gross income to an annual amount, subtracts any pre-tax deductions you enter, and then estimates:
- Federal income tax using progressive bracket ranges
- Social Security (6.2% up to the annual wage base)
- Medicare (1.45% on all wages)
- State and local income taxes using your chosen percentage
The result is a clear view of net pay per paycheck and per year, plus an estimated breakdown of where your money goes.
Important Notes
- Actual paychecks depend on your exact tax situation and employer setup.
- This calculator does not handle every special case (bonuses, credits, special deductions, etc.).
- Use it as a planning and education tool — not as official tax or payroll advice.
Educational only — not tax, accounting, or legal advice. For personalized guidance, talk with a qualified tax professional or financial advisor.
Exploring next steps? Try: Budget Calculator, Savings Goal Calculator, or Debt Snowball Calculator.