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Paycheck Calculator

See your actual take-home pay

Take-Home Pay

$2,075

Gross Pay

$2,885

Deductions

$809

Tax Rate

28.1%

$
%

State tax rates vary: 0% (TX, FL, WA) to 13.3% (CA). Check your state.

Take-Home Pay per Paycheck

$2,075

after all deductions

Gross Pay

$2,885

Federal Tax

-$444

Social Security

-$179

Medicare

-$42

State Tax

-$144

Tax Rate

28.1%

Pay Breakdown

Gross Pay$2,885
Total Deductions$809
Net Pay$2,075
Annual Take-Home

$53,960

Frequently Asked Questions

Q

What taxes are deducted from my paycheck?

Main paycheck deductions: Federal Income Tax (10-37% based on income), State Income Tax (0-13%), Social Security (6.2% on first $168,600), Medicare (1.45% on all income). Example: $75,000 salary ≈ $56,000 net ($19,000 taxes = 25%).

  • Federal: Progressive brackets (10%, 12%, 22%, 24%, 32%, 35%, 37%)
  • FICA (Social Security + Medicare): 7.65% flat rate
  • State: 9 states have no income tax
  • Pre-tax deductions (401k, health) reduce taxable income
Deduction TypeRateAnnual Amount ($75K salary)Notes
Federal Income Tax~12-22%~$6,000-9,000Based on brackets
State Income Tax0-10%$0-$5,000Varies by state
Social Security6.2%$4,650Capped at $168,600
Medicare1.45%$1,088No cap
Q

What is the difference between gross and net pay?

Gross pay = total earnings before deductions. Net pay = what you actually receive (take-home). Typical net is 65-80% of gross. Example: $80,000 gross → ~$58,000-64,000 net (depending on state, deductions).

  • Gross: Total before any deductions
  • Net: What hits your bank account
  • Higher income = lower net % (progressive taxes)
  • Tax-free states keep more net pay
Gross SalaryEstimated Net (TX, no state tax)Estimated Net (CA, high state tax)Net % of Gross
$50,000$40,500$37,50075-81%
$75,000$58,000$53,00071-77%
$100,000$75,000$68,00068-75%
$150,000$108,000$97,00065-72%
Q

How do federal tax brackets work?

Federal tax uses progressive brackets - only income ABOVE each threshold is taxed at the higher rate. $75,000 taxable income (single): First $11,600 at 10%, $11,601-$47,150 at 12%, $47,151-$75,000 at 22%. Total ≈ $11,700 federal tax.

  • Marginal rate: Rate on your LAST dollar earned
  • Effective rate: Total tax ÷ Total income (always lower)
  • Moving to higher bracket doesn't tax ALL income higher
  • Standard deduction reduces taxable income ($14,600 single, $29,200 married)
2024 Tax Bracket (Single)Income RangeTax on This Portion
10%$0 - $11,600$1,160
12%$11,601 - $47,150$4,266
22%$47,151 - $100,525Varies
24%$100,526 - $191,950Varies
32%$191,951 - $243,725Varies
Q

How do pre-tax deductions lower my taxes?

401(k) contributions, health insurance, and HSA are pre-tax - they reduce taxable income. Contributing $500/month to 401(k) ($6,000/year) in the 22% bracket saves $1,320 in taxes annually while building retirement savings.

  • 401(k): Up to $23,000/year pre-tax (2024)
  • Health insurance: Premiums usually pre-tax
  • HSA: Up to $4,150 single, $8,300 family (2024)
  • FSA: Up to $3,200/year for healthcare (use it or lose it)
  • Tax savings = Contribution × Marginal tax rate
Pre-Tax Contribution22% Bracket Savings24% Bracket Savings32% Bracket Savings
$5,000 to 401(k)$1,100$1,200$1,600
$10,000 to 401(k)$2,200$2,400$3,200
$3,000 to HSA$660$720$960
Q

Which states have no income tax?

Nine states have no income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming. Living in these states means higher take-home pay - often $2,000-8,000+ more annually on same salary.

  • No income tax: AK, FL, NV, NH*, SD, TN*, TX, WA, WY
  • *NH and TN only tax investment income
  • Highest state taxes: CA (13.3%), HI (11%), NJ (10.75%)
  • Consider cost of living, not just taxes
State TypeExample StatesState Tax on $100KTake-Home Difference
No income taxTX, FL, WA$0+$3,000-5,000/year
Low income taxAZ, CO, NC$2,500-3,500Moderate
High income taxCA, NY, NJ$5,000-8,000-$2,000-5,000/year
Q

How often do I get paid and how does it affect my paycheck?

Pay frequency affects per-paycheck amount but not annual total. $60,000/year: Weekly = $1,154/check, Bi-weekly = $2,308/check, Semi-monthly = $2,500/check, Monthly = $5,000/check. Bi-weekly gives 26 paychecks (2 "extra" vs monthly).

  • Bi-weekly: 2 months/year have 3 paychecks (budget bonus!)
  • Semi-monthly: Always exactly 2 checks/month
  • Tax withholding is calculated per-paycheck
  • More frequent pay = easier cash flow management
Pay FrequencyPaychecks/Year$60K Gross/CheckNotes
Weekly52$1,154Good for cash flow
Bi-weekly26$2,308Most common, 2 extra checks
Semi-monthly24$2,5001st and 15th of month
Monthly12$5,000Requires good budgeting

Example Calculations

1$75,000 Salary, Biweekly, 5% State Tax

Inputs

Annual Salary$75,000
Pay FrequencyBiweekly (every 2 weeks)
State Tax Rate5%

Result

Take-Home Pay$2,076
Gross Pay$2,885
Federal Tax$449
Social Security$179
Medicare$42
State Tax$144
Total Deductions$813
Effective Tax Rate28.2%

Gross per paycheck = $75,000 / 26 = $2,885. Annual federal tax on $75,000 (progressive brackets, no standard deduction in this calculator): $11,600 x 10% + $35,550 x 12% + $27,850 x 22% = $1,160 + $4,266 + $6,127 = $11,553. Per paycheck: $11,553 / 26 = $444. SS: ($75,000 x 6.2%) / 26 = $179. Medicare: ($75,000 x 1.45%) / 26 = $42. State: $2,885 x 5% = $144. Net = $2,885 - $444 - $179 - $42 - $144 = $2,076.

2$55,000 Salary, Monthly, 0% State Tax (Texas)

Inputs

Annual Salary$55,000
Pay FrequencyMonthly
State Tax Rate0%

Result

Take-Home Pay$3,581
Gross Pay$4,583
Federal Tax$641
Social Security$284
Medicare$66
State Tax$0
Total Deductions$992
Effective Tax Rate21.6%

Gross per paycheck = $55,000 / 12 = $4,583. Annual federal tax: $11,600 x 10% + $35,550 x 12% + $7,850 x 22% = $1,160 + $4,266 + $1,727 = $7,153 (note: the code does not apply a standard deduction). Per paycheck: $7,153 / 12 = $596. SS: ($55,000 x 6.2%) / 12 = $284. Medicare: ($55,000 x 1.45%) / 12 = $66. No state tax. Net = $4,583 - $596 - $284 - $66 = $3,637.

Formulas Used

Gross Pay Per Paycheck

Gross Pay = Annual Salary / Pay Periods Per Year

Divides your annual salary by the number of pay periods (52 weekly, 26 biweekly, 24 semi-monthly, 12 monthly).

Where:

Annual Salary= Your total yearly compensation before any deductions
Pay Periods= 52 (weekly), 26 (biweekly), 24 (semi-monthly), or 12 (monthly)

Federal Tax Per Paycheck

Federal Tax = (Annual Federal Tax from Progressive Brackets) / Pay Periods

Annual federal tax is calculated using 2024 progressive brackets on gross salary, then divided by pay periods. Note: this calculator applies brackets to the full salary (no standard deduction subtracted).

Where:

Progressive Brackets= 10% to 37% across 7 brackets for 2024

FICA Taxes Per Paycheck

SS = Min(Salary, $168,600) x 6.2% / Periods; Medicare = Salary x 1.45% / Periods

Social Security and Medicare taxes are calculated on annual salary and divided per paycheck.

Where:

$168,600= 2024 Social Security wage base cap
1.45%= Medicare rate (+ 0.9% additional on salary over $200,000)

Net Pay Per Paycheck

Net Pay = Gross Pay - Federal Tax - Social Security - Medicare - State Tax

Your take-home pay after all deductions are subtracted from gross pay.

Where:

State Tax= Gross Pay x State Tax Rate
Effective Tax Rate= (Total Deductions / Gross Pay) x 100

Understanding Your Paycheck

Understanding how your paycheck is calculated helps you plan your budget and make informed financial decisions.

The largest deduction is typically Federal Income Tax, which varies based on your income level and filing status.

Pre-tax deductions like 401(k) contributions and health insurance premiums can reduce your taxable income.

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Last Updated: Feb 12, 2026

This calculator is provided for informational and educational purposes only. Results are estimates and should not be considered professional financial, medical, legal, or other advice. Always consult a qualified professional before making important decisions. UseCalcPro is not responsible for any actions taken based on calculator results.

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