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Paycheck Calculator

See your real take-home pay for any pay schedule — after federal income tax, Social Security, Medicare, and pre-tax contributions.

InputsPAY-2025
$
401(k) contribution % of gross, pre-tax
%
Other pre-tax HSA, health — annual
$
Take-home / paycheckEvery 2 weeks
$2,476
take-home pay$2,476
federal income tax$347
Social Security + Medicare$250
401(k)$196
other pre-tax$0
annual take-home
$64,371
effective tax
18.3%
marginal rate
22.0%

How your take-home pay is calculated

Start from your gross salary, subtract pre-tax deductions (traditional 401(k), HSA), then federal income tax on what remains after the standard deduction, then FICA — Social Security and Medicare. What's left, divided by your number of pay periods, is each paycheck.

net = gross − 401(k) − pre-tax − federal tax − Social Security − Medicare

Social Security is 6.2% up to the 2025 wage base of $176,100; Medicare is 1.45% on all wages, plus a 0.9% surtax above $200,000 (single). This national tool excludes state income tax.

Common questions

Why is my take-home less than my salary divided by pay periods?
Federal income tax, Social Security (6.2%), and Medicare (1.45%) come out of every paycheck, along with any pre-tax 401(k) or HSA contributions. What's left is your take-home pay.
How does a 401(k) contribution affect my paycheck?
Traditional 401(k) contributions are pre-tax, so they lower your federal income tax — but they're still subject to Social Security and Medicare. They reduce your take-home now while building retirement savings.
What is FICA?
FICA is the combined Social Security (6.2% up to the 2025 wage base of $176,100) and Medicare (1.45%, plus a 0.9% surtax on high earners) payroll tax. It funds those two federal programs.
Does this include state income tax?
This national version estimates federal tax and FICA only. State income tax varies by state (and several have none) — state-specific paycheck calculators are coming.

How we calculate this

2025 federal brackets (IRS Rev. Proc. 2024-40) and FICA rates (SSA). Traditional 401(k) reduces income tax but not FICA. Estimates only — not tax advice.

Full methodology & sources →
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Estimates are for general informational purposes only and do not constitute tax or financial advice. Actual withholding depends on your W-4, state and local taxes, and benefits not modeled here. Consult a licensed professional.