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Paycheck Calculator (US Federal)

Estimate your take-home pay per paycheck — federal income tax, FICA, state tax, and pre-tax deductions, itemized.

ESTIMATE ONLYFederal + FICA50 state tax401k / HSA pre-taxAll pay frequencies

⚠️ Estimate only, not tax advice. All tax math below is a simplified approximation.

The CalculatorPage 1

Pay Type

Annual Gross Salary

Pay Frequency

Filing Status

Dependents (simplified $2,000 credit each)

Pre-Tax 401(k) Contribution

Pre-Tax Health Premium (per paycheck)

State Income Tax

$1,856.63take-home per paycheck · biweekly (26)

Gross per paycheck$2,500.00

Federal income tax (simplified est.)− $188.60

Social Security (6.2% est.)− $145.70

Medicare (1.45% est.)− $34.08

401(k) contribution (5%)− $125.00

Health premium (pre-tax)− $150.00

Take-home$1,856.63

Annual gross$65,000.00

Annual take-home$48,272.35

Effective tax rate (est.)14.7%

Taxable income after standard deduction$42,850.00

How this estimate works (simplified)

Take-home = Gross − Federal tax − FICA − State − 401(k) − Health

Federal tax: annualized gross minus 401(k), health, and the 2025 standard deduction, taxed with simplified 2025 brackets, minus a flat $2,000 credit per dependent. FICA: 6.2% Social Security up to the $176,100 wage base + 1.45% Medicare + 0.9% over $200,000. 401(k) deferrals reduce income tax but not FICA; pre-tax health reduces both. All figures are simplified estimates.

Worked example (this input)

A salary of $65,000.00 paid biweekly (26), single filing status.

Gross per paycheck:$2,500.00
Federal + FICA + state per paycheck:$368.37
Deductions per paycheck:$275.00
Take-home per paycheck:$1,856.63

Disclaimer: Estimate only, not tax advice. Actual withholding depends on your W-4, employer methods, local taxes, and credits this simplified model does not capture.

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Data Source & Legal Disclaimer

Effective: Simplified 2025 federal brackets and standard deductionLast updated: 8 months agoUpdate: Annual

Sources: IRS — Tax Withholding Estimator · SSA — Contribution Limits

Estimate only, not tax advice. This tool uses simplified 2025 brackets, the standard deduction, and flat per-dependent credits. It ignores W-4 specifics, itemized deductions, local taxes, and state-specific rules. Consult the IRS estimator or a tax professional for exact withholding.

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Paycheck Calculator (US Federal)

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