Paycheck Calculator (Take-Home Pay)

Your take-home pay is your gross salary minus federal income tax, Social Security (6.2%), Medicare (1.45%), any state income tax, and pre-tax deductions like 401(k) or HSA contributions. On a typical salary, total withholding runs roughly 20–35% depending on your income, filing status, and state. Enter your numbers above for a 2025 estimate.

FICA is the combined Social Security and Medicare payroll tax. The employee share is 6.2% for Social Security on wages up to the 2025 wage base of $176,100, plus 1.45% for Medicare on all wages (no cap). High earners also pay an extra 0.9% Additional Medicare Tax above $200,000, which this estimate does not include.

Yes — traditional 401(k), HSA, and similar pre-tax deductions reduce the wages subject to federal and state income tax, so you pay less income tax now. However, 401(k) contributions are still subject to Social Security and Medicare (FICA) tax, so they don't reduce that portion.

Gross pay is your total salary before any deductions. Net pay (take-home pay) is what actually lands in your bank account after income taxes, FICA, and any pre-tax or post-tax deductions are removed.

This is a simplified 2025 estimate. Your real paycheck depends on your W-4 elections, state and local tax rules, additional withholdings, benefit deductions, retirement matching, and credits. Use it as a planning ballpark, not as official tax advice.

It uses 2025 federal tax brackets, the 2025 standard deduction by filing status, and the 2025 Social Security wage base of $176,100. Update your inputs each year as these figures change.