Paycheck Calculator (US)
Estimate take-home pay after federal, FICA, and state tax — for any US state.
| Line | Per annual | Per year |
|---|---|---|
| Gross pay | $80,000.00 | $80,000 |
| Federal income tax | −$9,214.00 | −$9,214 |
| Social Security | −$4,960.00 | −$4,960 |
| Medicare | −$1,160.00 | −$1,160 |
| California income tax | −$3,982.36 | −$3,982 |
| Take-home pay | $60,683.64 | $60,684 |
2025 estimate for a standard W-2 earner taking the standard deduction. Excludes 401(k), health premiums, credits, and local city taxes. Not tax advice.
Understand your result
Not sure what the numbers mean? Echo reads your result and explains it in plain words — then suggests a sensible next step.
Description
The US Paycheck Calculator gives you a precise, itemized estimate of your net take-home pay for any US state. Enter your gross annual salary or hourly wage, pick your pay frequency, and select your IRS filing status along with your resident state. The calculator applies current Federal income tax brackets, standard deduction amounts, FICA payroll taxes (6.2% Social Security up to the wage limit and 1.45% Medicare plus high-income surtax), and state-specific graduated brackets or flat tax rates. The resulting dashboard provides a clean breakdown of your earnings per paycheck and annualized totals, helping you understand exactly where your paycheck goes. Whether you are comparing job offers across state lines, evaluating a pay raise, or planning your annual household budget, this tool delivers fast, transparent figures with zero ads or sign-ups required. All tax logic executes strictly within your web browser using JavaScript, ensuring complete confidentiality.
How to use
- Enter your gross annual salary or hourly wage.
- Choose your pay frequency (annual, monthly, semi-monthly, bi-weekly, or weekly).
- Select your filing status (Single, Married Filing Jointly, or Head of Household).
- Select your US state to apply exact state withholding rates.
- Review your net take-home pay and the itemized tax breakdown.
Why use this tool?
Your gross salary is not what reaches your bank account. Understanding how federal withholding, FICA contributions, and state income taxes impact your take-home pay is essential for budgeting, job offers, and salary negotiations.
Features
- Up-to-date 2025/2026 Federal tax brackets and standard deductions.
- Accurate FICA deductions: 6.2% Social Security (with wage cap) and 1.45% Medicare (+ 0.9% additional surtax).
- Comprehensive support for all 50 US states plus Washington D.C.
- Clear itemization of gross pay, federal tax, state tax, FICA, and net take-home pay.
- Zero telemetry — your salary and personal tax status never leave your device.
Formula & methodology
Net Take-Home Pay = Gross Pay − Federal Withholding Tax − Social Security (6.2% up to $176,100) − Medicare (1.45% + 0.9% above threshold) − State Income Tax.
Frequently asked questions
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- Alabama
- Alaskano tax
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Floridano tax
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevadano tax
- New Hampshireno tax
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakotano tax
- Tennesseeno tax
- Texasno tax
- Utah
- Vermont
- Virginia
- Washingtonno tax
- West Virginia
- Wisconsin
- Wyomingno tax