- Enter your annual gross salary — the amount before any deductions.
- Pick your filing status (single or married filing jointly) because tax brackets and the standard deduction differ.
- Add your 401(k) percentage and your state income tax rate (use 0 for states like Florida, Texas or Nevada with no income tax).
- The calculator applies 2025 federal brackets, the standard deduction, 6.2% Social Security and 1.45% Medicare to show your net pay per year, month and paycheck.
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Paycheck Calculator — Take-Home Pay After Tax (United States)
Find out exactly how much of your salary lands in your bank account. Enter your gross annual pay and this free paycheck calculator estimates your net income after federal income tax, Social Security, Medicare and state taxes, using 2025/2026 brackets and the standard deduction.
How the paycheck calculator works
Frequently asked questions
How accurate is this paycheck calculator?
It uses the official 2025 IRS federal brackets, the standard deduction, and current FICA rates, so typical W-2 salaries give a close estimate. It does not model itemized deductions, credits like the child tax credit, or local city taxes.
Does the calculator include state taxes?
Yes — enter your state's effective income tax rate. States like Florida, Texas, Nevada and Washington have no state income tax, so enter 0.
Why is my real paycheck different?
Your employer may also deduct health insurance premiums, HSA contributions, union dues or wage garnishments, and pre-tax benefits reduce taxable income. Treat the result as a solid estimate, not payroll advice.
Is 401(k) contribution included?
Yes — traditional 401(k) contributions reduce your federal taxable income. Enter the percentage you contribute and it is subtracted before federal tax (note Social Security and Medicare still apply to the full gross).
Estimates are for guidance only and are based on published 2025/2026 rates. Always confirm with a qualified professional for financial decisions.