About This Calculator
A comprehensive, free tool designed for employees across the United States to accurately estimate their take-home pay after all federal and state tax withholdings.
Uses the latest IRS tax brackets, state-specific income tax rates for all 50 states, and current Social Security and Medicare rates for precise estimates.
All calculations happen in your browser. No data is sent to our servers. Your information stays completely private and secure.
Tailored for residents in all 50 states with state-specific tax rates, deductions, and local considerations built into every calculation.
Paycheck USA is designed to help employees, job seekers, and employers estimate net pay after all applicable federal and state tax withholdings. Whether you're:
- Evaluating a job offer and want to know your actual take-home pay
- Planning your budget and need accurate income projections
- Comparing different salary scenarios or pay frequencies
- Understanding how pre-tax deductions affect your paycheck
This tool provides instant, detailed breakdowns to help you make informed financial decisions.
State Income Taxes
Tax structures vary significantly across the United States. Our calculator accounts for:
- Progressive Tax States: Most states use a bracketed system where higher income is taxed at higher rates.
- Flat Tax States: Several states apply a single percentage rate to all taxable income.
- No-Tax States: Nine states do not currently impose a state-level income tax.
Federal Income Tax
Federal income tax uses a progressive bracket system for 2025/2026:
Higher brackets exist for income above $191,950. Different brackets apply for Married and Head of Household filing statuses.
FICA Taxes
Social Security: 6.2%
Applied to wages up to the annual wage base limit (2025/2026). Earnings above this amount are not subject to Social Security tax.
Medicare: 1.45%
Applied to all wages with no cap. High earners ($200,000+ single, $250,000+ married) pay an additional 0.9% Medicare tax on income above these thresholds.
- 1.Enter your gross pay - This is your salary before any deductions, based on your chosen pay frequency (weekly, bi-weekly, semi-monthly, or monthly).
- 2.Select your filing status - Choose Single, Married Filing Jointly, or Head of Household to apply the correct federal tax brackets.
- 3.Add allowances and dependents - These reduce your taxable income based on your W-4 form.
- 4.Include pre-tax deductions - Enter amounts for 401(k) contributions, health insurance premiums, HSA contributions, etc.
- 5.Review your results - See your take-home pay, tax breakdowns, and annual projections instantly.
This calculator provides estimates only. Actual tax withholdings and net pay may vary based on numerous factors including:
- Your specific W-4 form elections and withholding choices
- Employer-specific deductions and benefits
- Local taxes or additional state-specific considerations
- Mid-year tax law changes or adjustments
- Additional income sources or deductions not captured here
For precise tax planning and personalized advice, we strongly recommend consulting with a qualified tax professional or certified public accountant (CPA).