Paycheck Calculator – Estimate Take-Home Pay
Calculate your net take-home pay per paycheck after all deductions. Enter your gross salary, pay frequency, tax rates, retirement contributions, and health insurance to see what you actually bring home.
Paycheck Calculator
Your marginal federal tax bracket (e.g. 22%).
State income tax rate. Enter 0 if your state has no income tax.
Social Security (6.2%) + Medicare (1.45%) = 7.65%.
Net Pay per Paycheck
$1,277
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How to use this calculator
- Enter your gross annual salary.
- Select your pay frequency (weekly, bi-weekly, semi-monthly, or monthly).
- Enter your federal and state tax rates.
- Enter FICA percentage (default 7.65%).
- Add 401(k) contribution percentage and monthly health insurance cost.
- See your estimated net take-home pay per paycheck.
Formula Used
Net Pay = (Gross Annual / Pay Periods) × (1 - Federal% - State% - FICA% - 401k%) - (Health Insurance Monthly × 12 / Pay Periods)
FICA stands for Federal Insurance Contributions Act. It includes Social Security (6.2%) and Medicare (1.45%), totaling 7.65% for most employees.
Set the state tax rate to 0%. States like Texas, Florida, Nevada, and Washington have no state income tax.
This provides an estimate using flat tax rates. Actual paychecks may differ due to progressive brackets, pre-tax deductions, bonuses, and employer-specific rules.
Check the IRS tax brackets for the current year. Common brackets are 10%, 12%, 22%, 24%, 32%, 35%, and 37% based on filing status and taxable income.
Copy the code below to embed this calculator on your site.
<iframe src="https://smartcalculators.tools/embed/paycheck-calculator" title="Paycheck Calculator" width="100%" height="400" frameborder="0"></iframe>