Calculate your take-home pay after taxes. See how federal income tax, FICA (Social Security & Medicare), and state tax affect your net pay based on 2025-2026 tax brackets and filing status.
Federal Tax = Calculated using marginal tax brackets based on taxable income (gross pay − standard deduction − pre-tax deductions)
FICA = Social Security (6.2%) + Medicare (1.45%)
State Tax = Taxable income × State flat tax rate (simplified)
Single: $14,600
Married Filing Jointly: $29,200
Head of Household: $21,900
| Rate | Single | Married Filing Jointly | Head of Household |
|---|---|---|---|
| 10% | $0 – $11,600 | $0 – $23,200 | $0 – $16,550 |
| 12% | $11,601 – $47,150 | $23,201 – $94,300 | $16,551 – $63,100 |
| 22% | $47,151 – $100,525 | $94,301 – $201,050 | $63,101 – $100,500 |
| 24% | $100,526 – $191,950 | $201,051 – $383,900 | $100,501 – $191,950 |
| 32% | $191,951 – $243,725 | $383,901 – $487,450 | $191,951 – $243,700 |
| 35% | $243,726 – $609,350 | $487,451 – $731,200 | $243,701 – $609,350 |
| 37% | $609,351+ | $731,201+ | $609,351+ |
Tax brackets shown for 2025-2026 tax year, applied to taxable income after standard deduction.
Input your gross annual salary before any taxes or deductions.
Choose how often you get paid: weekly (52), biweekly (26), or monthly (12). The calculator will show per-period amounts.
Select your federal tax filing status — Single, Married Filing Jointly, or Head of Household — which determines your standard deduction and tax brackets.
Optionally enter a state tax rate and any pre-tax deductions (401k, HSA, FSA, etc.) to get a more accurate result.
See your gross pay, federal tax, FICA breakdown, state tax, total deductions, and most importantly — your net take-home pay per period.
Annual Salary: $75,000
Filing Status: Single
Standard Deduction: $14,600
Taxable Income: $75,000 − $14,600 = $60,400
Federal Tax: 10% on first $11,600 ($1,160) + 12% on $11,601–$47,150 ($4,266) + 22% on $47,151–$60,400 ($2,915) = $8,341/year
FICA (SS + Medicare): 6.2% + 1.45% = 7.65% → $75,000 × 7.65% = $5,737.50/year
State Tax (5%): $60,400 × 5% = $3,020/year
Total Deductions: $8,341 + $5,737.50 + $3,020 = $17,098.50/year
Net Annual Pay: $75,000 − $17,098.50 = $57,901.50
Net Per Biweekly Pay: $57,901.50 ÷ 26 = $2,226.98
Annual Salary: $120,000
Filing Status: Married Filing Jointly
Standard Deduction: $29,200
Taxable Income: $120,000 − $29,200 = $90,800
Federal Tax: 10% on first $23,200 ($2,320) + 12% on $23,201–$90,800 ($8,112) = $10,432/year
FICA: $120,000 × 7.65% = $9,180/year
State Tax (5%): $90,800 × 5% = $4,540/year
Net Annual Pay: $120,000 − $10,432 − $9,180 − $4,540 = $95,848
Net Per Month: $95,848 ÷ 12 = $7,987.33
Annual Salary: $55,000
Filing Status: Head of Household
Standard Deduction: $21,900
Taxable Income: $55,000 − $21,900 = $33,100
Federal Tax: 10% on first $16,550 ($1,655) + 12% on $16,551–$33,100 ($1,986) = $3,641/year
FICA: $55,000 × 7.65% = $4,207.50/year
State Tax (3%): $33,100 × 3% = $993/year
Net Annual Pay: $55,000 − $3,641 − $4,207.50 − $993 = $46,158.50
Net Per Week: $46,158.50 ÷ 52 = $887.66
Your paycheck consists of your gross pay minus various deductions. The most significant deductions are federal income tax, FICA (Social Security and Medicare), and potentially state income tax.
The United States uses a progressive tax system, meaning you pay different tax rates on portions of your income. Your taxable income is calculated by subtracting the standard deduction (or itemized deductions) from your gross income. Then, each portion of your taxable income is taxed at the applicable marginal rate for your filing status.
FICA stands for the Federal Insurance Contributions Act. It funds Social Security and Medicare programs. The tax is split into two parts:
Most states impose their own income tax on your earnings. This calculator uses a simplified flat rate approach. Some states have no income tax (Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, Wyoming), while others have progressive rates.
Many people mistakenly think that moving into a higher tax bracket means all their income is taxed at that higher rate. In reality, only the portion of income that falls within each bracket is taxed at that bracket's rate.
For example, a single filer with $75,000 salary has a taxable income of $60,400 after standard deduction. Their tax is calculated as:
Total federal tax: $8,341 — not $60,400 × 22% = $13,288. The marginal system saves you nearly $5,000 in this case.
Your marginal tax rate is the rate of your highest tax bracket. Your effective tax rate is your total tax divided by your total income. For the example above, the effective federal tax rate is $8,341 ÷ $75,000 = 11.1%, even though the marginal rate is 22%.
This paycheck calculator is for educational and illustrative purposes only. It provides estimates based on 2025-2026 federal tax brackets and simplified state tax rates. Actual tax withholding may differ based on your employer's payroll system, local taxes, specific deductions, credits, and other personal financial factors.
This calculator does not constitute professional tax, legal, or financial advice. Consult a qualified tax professional or certified public accountant (CPA) for advice tailored to your specific situation. Tax laws are subject to change and may vary by location.