The USA Paycheck Calculator helps employees and contractors estimate their take-home pay after taxes and deductions. Enter your gross pay, filing status, state, and pre-tax deductions to see an estimate of your net paycheck. This calculator includes federal taxes, Social Security, Medicare, and common payroll deductions.
Paycheck Calculator
Enter your details below to calculate your take-home pay
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Enter your gross pay and details on the left to see your take-home pay breakdown.
How It Works
Example Calculation
* Based on single filing status, weekly pay, California state tax, with $200 401(k) and $150 health insurance pre-tax deductions. Results are estimates for informational purposes only.
Frequently Asked Questions
Gross pay is the total amount you earn before any taxes or deductions are taken out. It includes your base salary, overtime, bonuses, and commissions. For example, if your employer agreed to pay you $60,000 per year, that is your gross pay — the number at the top of your pay stub.
Take-home pay (also called net pay) is the amount actually deposited in your bank account after all federal tax, state tax, Social Security, Medicare, and voluntary deductions (like 401(k) or health insurance) are subtracted from your gross pay. Formula: Gross Pay − Taxes − Deductions = Net Pay.
Yes. Our calculator includes 2026 federal income tax using IRS progressive brackets (10%–37%) for all three filing statuses — Single, Married, and Head of Household. The standard deduction ($15,000 single / $30,000 married) is applied before calculating your federal tax liability.
Yes. We cover all 50 states with 2026 state income tax rates. Nine states have no state income tax — including Texas, Florida, Nevada, and Washington. Other states range from a flat 3.07% (Pennsylvania) up to 13.3% in California for the highest earners.
Pre-tax deductions are subtracted from your gross pay before federal income tax is calculated, reducing your taxable income. Common examples include: 401(k) contributions, traditional IRA, health/dental/vision insurance premiums, HSA, and FSA contributions. A $200 401(k) contribution saves you roughly $44 in federal taxes if you're in the 22% bracket.
FICA (Federal Insurance Contributions Act) covers Social Security and Medicare. Employees pay 6.2% Social Security on wages up to $184,500 (2026 wage base) and 1.45% Medicare on all wages. Your total FICA is 7.65%. Earners above $200,000 ($250,000 married) also pay an extra 0.9% Additional Medicare Tax.
No. Whether you are paid weekly, bi-weekly, semi-monthly, or monthly does not change your total annual tax bill. The only difference is the amount withheld per paycheck. More frequent pay periods mean smaller withholdings each time, but the same annual total.
Our calculator uses official 2026 IRS tax brackets, FICA rates, standard deductions, and state income tax rates to produce highly accurate estimates. Actual withholding may vary due to W-4 elections, local city taxes (e.g., NYC), or itemized deductions. For exact figures, consult a licensed tax professional.