Use this paycheck calculator to estimate your take-home pay after federal, state, and local taxes. It’s designed for U.S. residents (2025-2026)
Calculate Federal, State, And Local Taxes
Key Terms for Paycheck Calculator
Gross Pay
The total amount you earn before any deductions are taken out. This includes salary, bonuses, and overtime.
Pay Frequency
How often you receive your paycheck — options include Daily, Weekly, Bi-weekly, Semi-monthly, Monthly, Quarterly, or Annually. This affects the amount you see per paycheck.
Filing Status
Your IRS tax filing category (Single, Married Filing Jointly, Married Filing Separately, Head of Household). It determines your federal tax brackets.
Dependents
People who rely on you financially (children under 17 or other dependents). Claiming dependents may reduce your taxable income.
Other Income
Additional earnings outside of your job, such as freelance work, investments, or rental income. This can increase your taxable income.
Pre-Tax Deductions
Amounts deducted before taxes, like 401(k) contributions, HSA contributions, or health insurance premiums. These reduce your taxable income.
Post-Tax Deductions
Amounts taken after taxes, such as student loans or wage garnishments. These don’t lower taxable income but reduce take-home pay.
Itemized Deductions
Specific expenses, including mortgage interest or charitable donations, that can reduce taxable income if they exceed the standard deduction.
State & City Tax Rates
Percentages taken by your state or city government from your paycheck. Note that not all states have income tax.
Self-Employment
If you are your own boss, you pay both the employer and employee portions of Social Security and Medicare taxes.