🇺🇸 USA Paycheck Calculator
Calculate your take-home pay after federal & state taxes, FICA deductions
Per Paycheck Breakdown
Annual Summary
📖 How to Use This Calculator
- Enter Annual Salary — Your total yearly gross compensation
- Select Pay Frequency — How often you receive paychecks
- Choose Filing Status — Single, Married, or Head of Household
- Select Your State — State income tax rates vary (some have 0%)
- Add Pre-Tax Deductions — 401(k) and health insurance reduce taxable income
❓ Frequently Asked Questions
Which states have no income tax?
Nine states have no income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. This can significantly increase your take-home pay.
What is FICA and how is it calculated?
FICA stands for Federal Insurance Contributions Act and includes Social Security (6.2% on income up to $168,600) and Medicare (1.45% on all income, plus an additional 0.9% on income over $200,000).
How do 401(k) contributions affect my paycheck?
Traditional 401(k) contributions are deducted before federal and state income taxes, reducing your taxable income. However, they do not reduce FICA taxes. The 2025 contribution limit is $23,500 ($31,000 if age 50+).
Take-Home Pay Planning Guide
Use this USA paycheck calculator to estimate net pay across pay frequencies, filing statuses, and states. It helps employees compare offers, plan withholding, and understand federal vs state tax impact on real income.
How to Improve Net Pay Visibility
- Compare annual and per-paycheck views before salary negotiations.
- Test scenarios with pre-tax 401(k) and health deductions.
- Review state-level tax differences when planning relocation.
Related Tools
U.S. Sales Tax Calculator · 401(k) Calculator · Debt Payoff Calculator
Data Sources & Assumptions
Sources
🗺️ Looking for state or province-specific data? US Withholding by State — State income tax withholding pages for all 50 states.