Paycheck Calculator
Calculate your take-home pay after federal taxes, state taxes, and FICA deductions.
Salary Information
Annual Gross Salary
$/year
Pay Frequency
▼
Filing Status
▼
State
▼
401(k) Contribution
%
Local/City Tax (NYC: ~3.9%, Philadelphia: ~3.8%)
%
Other Pre-Tax Deductions (Health Insurance, etc.)
$/year
Paycheck Breakdown
$0
Take-Home Pay Per Paycheck
$0/year • $0/month
Gross Pay
$0
Federal Income Tax
-$0
State Income Tax
-$0
Social Security (6.2%)
-$0
Medicare (1.45%)
-$0
401(k) Contribution
-$0
Local/City Tax
-$0
Other Deductions
-$0
Total Deductions
-$0
Where Your Paycheck Goes
70%
Take-Home
Take-Home Pay
$0
Taxes (Fed + State + FICA)
$0
401(k)
$0
Understanding Your Paycheck
Your gross pay is reduced by mandatory deductions before reaching your bank account. The main deductions include federal income tax, state income tax (in most states), and FICA taxes.
FICA (Federal Insurance Contributions Act) consists of Social Security (6.2% up to $176,100 in 2025) and Medicare (1.45%, plus 0.9% on income over $200,000).
2025 Federal Tax Brackets (Single)
| Income Range | Tax Rate |
|---|---|
| $0 – $11,925 | 10% |
| $11,926 – $48,475 | 12% |
| $48,476 – $103,350 | 22% |
| $103,351 – $197,300 | 24% |
| $197,301 – $250,525 | 32% |
| $250,526 – $626,350 | 35% |
| $626,351+ | 37% |
Ways to Increase Take-Home Pay
- Maximize pre-tax deductions: 401(k), HSA, and FSA contributions reduce taxable income.
- Adjust W-4 withholding: If you get large refunds, you may be over-withholding.
- Consider Roth 401(k): Doesn’t reduce current taxes, but grows tax-free.
- Use tax credits: Child tax credit, earned income credit, education credits reduce tax owed.
Important Notes
- Estimates only: This calculator provides estimates. Your actual withholding may differ based on W-4 elections.
- Local taxes: Some cities (NYC, Philadelphia) have additional local income taxes not included here.
- Other deductions: Health insurance, life insurance, and other benefits will further reduce take-home pay.
- Bonus/commission: May be taxed at different (often higher) withholding rates.