US Paycheck Calculator
This paycheck calculator estimates your real US take-home pay after federal income tax, state income tax and FICA (Social Security and Medicare), based on your filing status, state and pay frequency. Enter your gross salary and see what actually lands in your bank account each payday — not just your headline salary number.
Your salary before any tax or deductions are taken out.
How you file your federal tax return — this changes your standard deduction and tax brackets.
State income tax varies widely — nine states have none at all.
How often you're paid — changes the per-paycheck figure, not the annual total.
Percent of salary contributed to a traditional 401(k) — reduces federal and state taxable income, but not FICA wages.
Take-home pay per paycheck
सेव करने के लिए लॉग इन करें$2,017
What actually lands in your account each pay period, after federal tax, state tax, FICA and your 401(k) contribution.
Frequently asked questions
Is this exact?+
No — treat it as a planning estimate. It uses current IRS federal brackets and a simplified state tax lookup, but doesn't include itemized deductions, tax credits, local/city income tax, or the Alternative Minimum Tax, all of which can change your real take-home pay. For a final figure, check your actual pay stub or a tax professional.
Why is FICA calculated on my gross pay instead of my taxable income?+
Social Security and Medicare taxes (FICA) apply to your gross wages directly — they don't allow the standard deduction or pre-tax 401(k) contributions to reduce them, unlike federal and state income tax.
Why do some states show $0 state tax?+
Nine states — Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming — charge no state income tax on wages at all.
Does a 401(k) contribution reduce my take-home pay?+
Yes, but by less than the contribution amount — because it also lowers your federal and state taxable income, part of what you 'lose' in take-home pay is tax you'd otherwise have paid anyway.
Does this include health insurance or other payroll deductions?+
No — this covers federal tax, state tax, FICA and an optional 401(k) contribution only. Pre-tax health insurance, HSA/FSA contributions and other benefits deductions will further reduce your actual take-home pay beyond what's shown here.
