Paycheck Calculator
Estimate your net take-home pay per paycheck after taxes and deductions.
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Frequently Asked Questions
How is my paycheck calculated?
Your gross paycheck = Annual Salary ÷ Pay Periods. From that, subtract: federal income tax (based on your W-4 and bracket), state income tax, FICA (Social Security 6.2% + Medicare 1.45%), and any pre-tax deductions (401k, health insurance, FSA). What remains is your net take-home pay.
What is FICA tax on my paycheck?
FICA (Federal Insurance Contributions Act) consists of Social Security tax (6.2% on income up to $168,600 in 2026) and Medicare tax (1.45% on all income, plus 0.9% on income over $200,000). Your employer matches these contributions. Total FICA is 7.65% of your paycheck.
How do I reduce taxes on my paycheck?
Maximize pre-tax deductions: 401k contributions, HSA contributions ($4,150 single, $8,300 family in 2026), FSA contributions, and health insurance premiums. These reduce your taxable income dollar-for-dollar. Claiming the right allowances on your W-4 also adjusts withholding to avoid over-paying.