Estimate net (take-home) pay per paycheck using 2024 federal brackets, FICA, and your state's income tax.
The Paycheck Calculator for the United States shows what actually lands in your bank account each pay period. Enter your annual salary, pay frequency, filing status, and state, and it subtracts 2024 federal income tax, Social Security, Medicare, state income tax, and pre-tax deductions such as 401(k) and HSA contributions.
Federal tax is calculated on gross pay minus pre-tax deductions and the standard deduction for your filing status, using the progressive 2024 brackets. Social Security is 6.2% up to the $168,600 wage base, Medicare is 1.45% plus an extra 0.9% above $200,000. State tax applies a representative rate for the state you choose (nine states have no wage income tax).
Net per paycheck = (Gross − Pre-tax − Federal − Social Security − Medicare − State − Other) ÷ Pay periodsA single filer in California earning $75,000 with 6% going into a 401(k) contributes $4,500 pre-tax, pays roughly $6,800 federal tax, $4,650 in Social Security and Medicare, and about $4,230 in California tax — leaving close to $54,800 a year, or about $2,110 per bi-weekly paycheck.
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming do not tax wage income, so only federal tax and FICA come out of your paycheck.
It is a close estimate. Real withholding depends on your W-4 entries, local city taxes, employer benefit costs, and state-specific brackets and credits, so your pay stub may differ slightly.
401(k) contributions reduce income tax but not Social Security and Medicare. HSA and most health premiums under a Section 125 plan reduce both. This tool applies pre-tax deductions to income tax and state tax.
Adjust your W-4 so withholding matches your real liability, review voluntary deductions, and check whether your state offers credits. Avoid under-withholding — you will owe the difference at filing.
Gross pay is your salary before anything is withheld. Net pay is what you receive after taxes, FICA, and deductions — the amount deposited into your account.