Paycheck Tax Calculator
See your take-home pay after federal withholding, state income tax, and FICA
Income & Filing Information
Pre-Tax Deductions
Enter annual amounts for pre-tax deductions
Net Pay Per Paycheck
Take-home pay after all deductions
Total Tax Per Paycheck
22.88% of gross
Federal Tax
10.23% effective rate
FICA Taxes
Social Security & Medicare
Paycheck Summary
Detailed Tax Breakdown
See where your tax dollars go
Per Paycheck
Annual Totals
Effective Tax Rate
22.88%
Marginal Tax Rate
22.00%
Annual Summary
Tax Tips
Your State's Paycheck Taxes (2026)
State income tax is the piece that varies most — nine states take nothing, while others take up to ~10%. Open your state for exact 2026 brackets, deductions, and take-home pay.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
How it works
A paycheck tax calculator estimates the taxes withheld from each paycheck — federal income tax (per your W-4 and the brackets), Social Security and Medicare (FICA), and any state tax — to show your take-home pay.
Withholding
Net = Gross − federal tax − FICA (7.65%) − state tax − pre-tax deductions
- FICA
- 6.2% Social Security + 1.45% Medicare
- federal tax
- withheld per your W-4 and the brackets
Worked example
- Gross monthly pay = $5,000
- FICA 7.65%, ~10% federal + ~4% state withheld
- FICA = $382.50
- Income tax ≈ $700
Net ≈ $3,918/month before other deductions.
Good to know
- Adjust your W-4 to fine-tune withholding — too little risks a tax bill, too much is an interest-free loan to the IRS.
- Pre-tax deductions (401k, HSA) lower taxable income and thus withholding.
- FICA's Social Security portion stops above an annual wage cap; Medicare has no cap.
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Frequently Asked Questions
How do I calculate state and federal taxes on my paycheck?
Start with gross pay, subtract pre-tax deductions (401(k), HSA, some insurance premiums), then apply federal withholding per your W-4 and the current IRS brackets, FICA at 7.65% (6.2% Social Security + 1.45% Medicare), and your state's income tax if it has one. What remains is your take-home pay — this calculator runs all of those steps for you.
How much tax is taken out of a paycheck on average?
It varies with income, filing status, and state, but a typical single filer sees roughly 20-30% withheld in total: 7.65% FICA, federal withholding that commonly lands between 10% and 20% of gross for middle incomes, and 0-10% state tax depending on where you live.
Which states have no state income tax?
Nine states levy no personal income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. (New Hampshire's last remnant, the interest & dividends tax, was repealed effective January 1, 2025.) Federal income tax and FICA still apply everywhere.
What is FICA and why is it on every paycheck?
FICA funds Social Security and Medicare. Employees pay 6.2% for Social Security (up to an annual wage cap) and 1.45% for Medicare (no cap; an extra 0.9% applies above $200,000). Your employer pays a matching share.
Why does my withholding differ from my actual tax bill?
Withholding is an estimate driven by your W-4. Multiple jobs, a working spouse, credits, or non-wage income can push it off. If you consistently owe or get large refunds, adjust your W-4 — the IRS Tax Withholding Estimator or this calculator can help you dial it in.