Financial Tools
Paycheck Calculator
See what actually lands in your account. Federal tax and FICA are calculated from the current brackets, state and local rates are yours to enter.
Pay
Annual Gross Salary
Pay Frequency
Filing Status
Before-tax Deductions
401(k) or 403(b) (% of salary, lowers income tax but not FICA)
Health Premiums ($ per year, lowers income tax and FICA)
State and Local
State Income Tax (% of pay, 0 in states with no income tax)
Local or City Tax (%)
Other After-tax Deductions ($ per year, union dues, garnishments, parking)
Values shown are examples. State and local rates are flat here, several states use brackets, so use your effective rate for a closer number.
Take-home Pay
| Net Pay per Paycheck | $0 |
| Gross per Paycheck | $0 |
| Net Pay per Year | $0 |
| You Keep | 0% |
| Federal Income Tax | $0 |
| Social Security | $0 |
| Medicare | $0 |
| State Income Tax | $0 |
| Local Tax | $0 |
| Total Tax | $0 |
| 401(k) Contribution | $0 |
| Health Premiums | $0 |
| Federal Taxable Income | $0 |
| Effective Tax Rate | 0% |
| Marginal Bracket | 0% |
| Calculated On | n/a |
For illustration only, not financial advice. Results are estimates based on the numbers you enter and do not constitute an offer, rate quote or approval.
Questions people ask
How does the page work out my take-home pay?
It starts from your annual gross salary, takes off federal income tax, Social Security, Medicare, state and local tax, your 401(k) or 403(b) contribution, health premiums and other after-tax deductions, then divides the result by your number of paychecks a year.
Why does my 401(k) lower income tax but not Social Security and Medicare?
The page treats 401(k) or 403(b) contributions as lowering income tax but not FICA, and health premiums as lowering both, as the field notes say. So the same dollar in each has a different effect on your paycheck.
How are state and local taxes calculated?
You enter each as a flat percentage, and the page applies it to your pay after before-tax deductions. Several states use brackets, so enter your effective rate for a closer number.
Which tax year does the federal figure use?
The Calculated On line shows the year of the federal brackets the page applies. The Marginal Bracket line shows the federal rate on your last dollar of taxable income.
