US Paycheck Calculator
Paycheck Calculator
United States
Hourly & salary take-home pay calculator
Estimate your US take-home pay after federal, state, and FICA taxes. Works for hourly and salaried workers — pick your state below for a page pre-set to its rate.
Paycheck calculator
Your pay
Gross used: $62,400 per year. Estimate includes federal, state, and FICA (Social Security + Medicare).
Annual take-home pay
$40,778
After federal, state & FICA
Per paycheck (biweekly)
$1,568.40
26 pay periods
Monthly take-home
$3,398.20
Weekly take-home
$784.20
Take-home per hour
$19.61
After all taxes
Tax breakdown
Gross pay
$62,400
Federal income tax (est. 22%)
$13,728
State income tax
$3,120
FICA (Social Security + Medicare)
$4,774
Assumptions
An estimate using a flat 22% federal rate, FICA at 7.65%, and the state rate you enter. It excludes progressive brackets, local taxes, credits, and the Social Security wage cap. Check your paystub or W-4 for exact withholding.
Estimate your take-home pay
Your paycheck is your gross pay minus taxes. This calculator estimates the three that come out of every US paycheck — federal income tax, state income tax, and FICA (Social Security and Medicare) — and shows what you actually keep per year, month, biweekly paycheck, and week. Use Hourly mode for a wage, or Salary mode for an annual figure, and adjust your state rate and 401(k) to match your situation. New to this? Read our guide on how to calculate your take-home pay (what FICA is, and what actually comes out of your paycheck).
How to use this paycheck calculator
- Choose Hourly or Salary mode depending on how you are paid.
- Enter your hourly wage (with hours per week and paid weeks) or your annual salary.
- Set your state — or open your state’s dedicated page below, already pre-set to its income tax rate.
- Add your 401(k) contribution if you have one, since it lowers taxable income.
- Read your estimated take-home pay per year, month, biweekly paycheck, and week.
What comes out of every US paycheck
The gap between your salary and your paycheck comes down to a few predictable deductions. Federal income tax is the largest for most people, followed by state income tax (which is why the same salary nets more in Texas or Florida, with no state tax, than in California). FICA takes a flat 7.65% for Social Security and Medicare. On top of those, any pre-tax deductions — a 401(k), HSA, or health premiums — reduce your take-home further, though the 401(k) also lowers the income you are taxed on. Everything else on a payslip is a variation of these.
Weekly, biweekly, semi-monthly, and monthly paychecks
How often you are paid changes the size of each paycheck, not your annual take-home. Biweekly (26 paychecks a year) is the most common US schedule, but semi-monthly (24), weekly (52), and monthly (12) are all used. This calculator breaks your net pay out by year, month, biweekly period, and week so you can match it to your own pay cycle — handy when a “three-paycheck month” on a biweekly schedule makes a month’s budget look larger than usual.
Paycheck calculator by state
Each state page is pre-set to that state’s income tax rate:
Limitations & disclaimer
Estimates use a flat 22% federal rate, FICA at 7.65%, and a single state rate. They exclude progressive federal brackets, local city taxes, filing status, and credits. Use your paystub or the IRS withholding estimator for exact figures.
FAQs
How does this paycheck calculator work?
Enter your hourly wage or annual salary and your state. It subtracts federal income tax, state income tax, and FICA (Social Security and Medicare) to estimate your take-home pay per year, month, biweekly paycheck, and week.
How much is taken out of my paycheck?
For most US workers, roughly 20–35% of gross pay is withheld once federal income tax, state income tax, and FICA (7.65%) are combined — before any 401(k) or health premiums. The exact share depends on your income, your state, and your filing status. Enter your figures above to see your own split.
Why is my paycheck less than my salary?
Your salary is your gross pay; your paycheck is what is left after deductions. Federal and state income tax, FICA, and any pre-tax items like 401(k) contributions or health insurance all come out before the money reaches your account. This calculator shows how much of your gross you actually keep.
Can I calculate an hourly paycheck?
Yes. Switch to Hourly mode and enter your wage, hours per week, and paid weeks. The calculator converts it to annual pay and shows your take-home per hour after taxes, alongside weekly and biweekly figures.
How do I calculate my biweekly paycheck?
A biweekly paycheck is your annual take-home pay divided by 26 (there are 26 biweekly pay periods in a year). Enter your salary or wage and state above, and the calculator shows the biweekly figure directly — no manual division needed.
Does this include 401(k) and pre-tax deductions?
You can enter a 401(k) contribution, which lowers your taxable income and your take-home pay. Other pre-tax items such as HSA or health premiums are not modelled separately — subtract them from your gross salary first for a closer estimate.
What is FICA?
FICA is the US payroll tax for Social Security (6.2%) and Medicare (1.45%), totalling 7.65% of gross pay, withheld from every paycheck in addition to income tax.