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US Paycheck Calculator – Estimate Your Take-Home Pay

Calculate your estimated take-home pay with our free paycheck calculator. Get accurate estimates of federal taxes, state taxes, FICA (Social Security and Medicare), and deductions for any US state.

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Your gross pay before taxes and deductions

How often you receive your paycheck

Your federal tax filing status

Select your state for state income tax calculation

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Pre-tax deductions per pay period (e.g., 401(k), health insurance, HSA)

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Post-tax deductions per pay period (e.g., Roth 401(k), union dues)

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Additional federal tax withholding per pay period

How the Paycheck Calculator Works

Our paycheck calculator estimates your take-home pay by calculating federal income tax, state income tax (where applicable), and FICA taxes (Social Security and Medicare). Here's how it works:

  1. Gross Pay: Enter your gross pay amount and pay frequency (weekly, bi-weekly, monthly, etc.)
  2. Pre-Tax Deductions: Enter any pre-tax deductions like 401(k) contributions, health insurance, or HSA contributions
  3. Taxable Income: The calculator subtracts pre-tax deductions from gross pay to determine taxable income
  4. Federal Tax: Calculated using 2024 federal tax brackets based on your filing status and standard deduction
  5. State Tax: Calculated based on your selected state's approximate income tax rate
  6. FICA Taxes: Social Security (6.2% up to $168,600) and Medicare (1.45%, plus 0.9% additional for high earners)
  7. Post-Tax Deductions: Any post-tax deductions are subtracted after taxes are calculated
  8. Net Pay: Your take-home pay after all taxes and deductions

Important: This calculator provides estimates only. Actual take-home pay may vary based on your specific circumstances, local taxes, employer policies, and other factors. This is not tax, legal, or financial advice.

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