Paycheck Calculator
Estimate take-home pay after tax and deductions.
Enter your values
Enter the gross annual pay in $.
Enter the estimated federal tax rate in %.
Enter the state tax rate in %.
Enter the 401(k) contribution in %.
Choose one of: Weekly, Biweekly, Semi-monthly, Monthly.
Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.
- Take-home per paycheck
- $1,894.58
- Annual take-home
- $49,259.00
- FICA (Social Security + Medicare)
- $5,355.00
- Income tax
- $11,186.00
- Into retirement
- $4,200.00
Quick answer
Take-home pay is gross pay minus federal and state income tax, FICA (7.65%) and pre-tax deductions such as 401(k) and health premiums.
At a glance
| What it does | Estimate take-home pay after tax and deductions. |
|---|---|
| Category | Finance |
| Inputs needed | Gross annual pay, Estimated federal tax rate, State tax rate, 401(k) contribution, Pay frequency |
| Main output | Take-home per paycheck |
| Cost | Free — no sign-up, no download |
How to use the Paycheck Calculator
- 1Enter gross annual pay and your pay frequency.
- 2Estimate federal and state tax rates.
- 3Add your 401(k) percentage to see net pay.
Inputs explained
- Gross annual pay($)
- Enter the gross annual pay in $.
- Estimated federal tax rate(%)
- Enter the estimated federal tax rate in %.
- State tax rate(%)
- Enter the state tax rate in %.
- 401(k) contribution(%)
- Enter the 401(k) contribution in %.
- Pay frequency
- Choose one of: Weekly, Biweekly, Semi-monthly, Monthly.
Worked example
Using the values the calculator loads with:
Inputs
- Gross annual pay70000 $
- Estimated federal tax rate12 %
- State tax rate5 %
- 401(k) contribution6 %
- Pay frequencyBiweekly
Results
- Take-home per paycheck$1,894.58
- Annual take-home$49,259.00
- FICA (Social Security + Medicare)$5,355.00
- Income tax$11,186.00
- Into retirement$4,200.00
Frequently asked questions
What is FICA?
Social Security (6.2%) and Medicare (1.45%), totalling 7.65% of gross wages, matched by your employer.
Why is my real check different?
Withholding depends on W-4 elections, credits, health premiums and local taxes, which vary by employer and state.
What do I need to enter into the Paycheck Calculator?
Just 5 values: gross annual pay, estimated federal tax rate, state tax rate, 401(k) contribution, pay frequency. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.
How does the Paycheck Calculator work out the answer?
Take-home pay is gross pay minus federal and state income tax, FICA (7.65%) and pre-tax deductions such as 401(k) and health premiums. The working is shown step by step so you can verify the result by hand.
Is the Paycheck Calculator free, and do I need an account?
It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.