USA take-home paycheck calculator

Enter your annual gross salary to see the net paycheck after federal income tax, Social Security, Medicare, state tax and pre-tax deductions. Uses IRS 2025 brackets and the SSA 2025 wage base ($176,100).

Your inputs

Annual gross salary ($)

Filing status

State401(k) contribution (6%)Other pre-tax deductions per year ($)Health, dental, HSA/FSA, transit, anything deducted before both federal and FICA tax.

Pay frequency

Net paycheck

$2,566 per biweekly period

$66,709 per year · effective tax rate 27.3%

Gross salary: $100,000
− 401(k) pre-tax: − $6,000
− Other pre-tax: − $0
− Federal income tax: − $12,294
− Social Security (6.2%): − $6,200
− Medicare (1.45%): − $1,450
− State income tax (~9.3%): − $7,347
Net take-home (annual): $66,709

Tax basis

Standard deduction (2025): $15,000
Federal taxable income: $79,000
Total deductions: $33,291
Net paycheck: $2,566

How the calculation works

Federal income tax uses IRS 2025 brackets (Rev. Proc. 2024-40) applied to gross minus 401(k), pre-tax deductions and the 2025 standard deduction ($15,000 single / $30,000 MFJ / $22,500 HoH).
Social Security is 6.2% on wages up to $176,100 (SSA 2025 wage base). Medicare is 1.45% with no cap, plus a 0.9% additional Medicare tax on wages above $200,000 (single) or $250,000 (married).
State income tax uses a single approximate rate per state to keep this fast. Real state tax has its own brackets and credits, so treat this as a ballpark. Nine states have no wage income tax at all.
401(k) reduces federal taxable income but not FICA. Pre-tax health / HSA reduces both.

Estimate only. Doesn't model local city/county tax, SDI, tax credits, itemized deductions, RSU withholding, or supplemental-wage flat rates. Check your paystub for the exact numbers.