Take-Home Pay Calculator
Calculate your net income after federal taxes, state taxes, Social Security, and Medicare. See your actual paycheck amount and plan your budget better.
Take-Home Pay Calculator
Calculate your net income after federal taxes, state taxes, and payroll deductions
Enter your income and select your state to see your take-home pay calculation
About Payroll Taxes
This calculator includes federal income tax, state income tax (where applicable), Social Security tax (6.2% up to $168,600), and Medicare tax (1.45%).
Note: This is an estimate. Actual take-home pay may vary based on additional deductions, credits, and specific circumstances. Consult with a tax professional for personalized advice.
Understanding Payroll Taxes
Social Security Tax
Social Security tax is 6.2% of your wages, but only up to a certain limit. For 2026, this limit is $168,600. Once you reach this limit, you won't pay additional Social Security tax.
This tax funds Social Security benefits for retirees, disabled individuals, and survivors.
Medicare Tax
Medicare tax is 1.45% of all your wages with no income limit. This tax funds Medicare health insurance for seniors and some disabled individuals.
High earners may also be subject to an additional 0.9% Medicare tax on income above certain thresholds.
Pay Frequency Options
Monthly
Get your monthly take-home pay for budgeting and monthly expenses planning.
Bi-Weekly
Perfect for those paid every two weeks, the most common pay schedule.
Weekly
Ideal for weekly budgeting and understanding your weekly spending power.
What Gets Deducted From Your Paycheck
Mandatory Deductions
- •Federal Income Tax: Based on your income and filing status
- •State Income Tax: Varies by state (some states have none)
- •Social Security: 6.2% up to $168,600
- •Medicare: 1.45% of all wages
Optional Deductions
- •401(k) Contributions: Retirement savings (pre-tax)
- •Health Insurance: Premiums for medical coverage
- •Other Benefits: Dental, vision, life insurance
- •Garnishments: Court-ordered deductions