Paycheck Calculator
Estimate your take-home pay from your gross pay.
All calculations happen locally in your browser — nothing is uploaded, stored or tracked.
Enter gross pay
And the pay frequency.
Set tax rates and deductions
Federal %, state %, pre-tax and post-tax amounts.
Read the net pay
Per period and annualized.
What Is a Paycheck Calculator?
A paycheck calculator converts gross pay into net (take-home) pay by subtracting federal and state income tax, FICA (Social Security and Medicare) and any deductions.
FICA rates are statutory: 6.2% Social Security (up to the wage cap) plus 1.45% Medicare — these are built in as fixed US rates. Federal, state and local tax rates and all deductions are entered by you, because they vary by filing status, state and year.
The Method
The built-in FICA figures are the standard US statutory rates; everything else uses your inputs. This is an estimate — actual withholding depends on your W-4, state rules and year-specific caps.
Your data never leaves your device.
Every calculation on this site runs in your browser using vanilla JavaScript. Nothing is uploaded, stored or tracked.
- 100% local, client-side calculations
- No data stored on any server
- No tracking, no analytics, no ads scripts
- Works offline once loaded
Frequently Asked Questions
How is take-home pay calculated?
Gross pay minus income tax, FICA, and any pre- and post-tax deductions. This calculator shows each component.
What are the current FICA rates?
6.2% for Social Security (up to the annual wage cap) and 1.45% for Medicare — built into the calculator as the standard US statutory rates.
What tax rate should I enter for federal?
Your effective rate — total federal tax divided by gross income. It varies with income, filing status and deductions.
What is the difference between pre-tax and post-tax deductions?
Pre-tax (like 401(k) contributions) reduce taxable income; post-tax (like Roth) do not. The calculator treats them accordingly.
Is this exactly what my employer withholds?
No — it is an estimate. Withholding depends on your W-4 elections and state rules.