PAYCHECK CALCULATOR

What does your paycheck actually look like?

Enter your pay and state, and see exactly where it goes: federal tax, Social Security, Medicare, state tax, and what actually lands in your account.

% of pay
Pretax (traditional): lowers federal & state tax, not Social Security/Medicare
$ /mo
Assumes a pretax (Section 125) plan: lowers federal, state, AND FICA wages
$0
Take-home pay per paycheck
$0
Gross pay per paycheck
$0
Total taxes per paycheck
0%
Effective tax rate
of gross pay
Breakdown

Where each paycheck goes

Estimated federal, state, and FICA withholding for tax year 2026. See the assumptions note below for what this does and doesn't account for.

Annual totals
Common questions

Paycheck Calculator: questions people ask

Why is my paycheck smaller than my salary divided by the number of paychecks?

Federal income tax, state income tax where your state has one, Social Security at 6.2% and Medicare at 1.45% come out first, then pre-tax deductions such as 401(k) contributions and health insurance. The bar shows each slice of one paycheck. How your paycheck works explains each line.

Can a raise push me into a higher bracket and lower my take-home pay?

No. Tax brackets are marginal: only the dollars above a bracket's threshold are taxed at the higher rate, so earning more always leaves you with more after tax. How taxes work shows the arithmetic.

When does Social Security stop coming out of my paycheck?

Once your wages from one employer pass the Social Security wage base for the year, $184,500 in 2026, the 6.2% stops for the rest of that year. Medicare has no cap, and an extra 0.9% is withheld on wages over $200,000.

Keep reading
How Does Your Paycheck Actually Work?
Why the number on your paycheck is lower than your salary.
How to Fill Out a W-4 in 2026
The five steps of the 2026 form, and what each changes.
State Income Tax Rates 2026
How every state taxes wages, side by side.