Estimate your take-home pay instantly. See a complete breakdown of Federal Income Tax, State Tax, Social Security, and Medicare (FICA).
Enter your gross pay to calculate taxes and take-home pay.
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The US Paycheck Calculator estimates your net take-home pay by deducting federal income tax, state income tax, Social Security, and Medicare (FICA) taxes from your gross salary. It provides a realistic preview of the cash that will actually be deposited into your bank account each pay period.
American employees evaluating new job offers, relocating to a different state, or trying to budget their monthly expenses. It is especially vital for workers moving from a state with zero income tax (like Florida or Texas) to a high-tax state (like California or New York) to understand the real impact on their liquidity.
Example Input
Gross Annual Salary: $80,000, Filing Status: Single, State: Texas (No State Income Tax), Pay Frequency: Bi-weekly.
Sample Output
Gross Paycheck: $3,076.92. Federal Income Tax: ~$385.00. FICA (Social Security & Medicare): $235.38. Estimated Net Take-Home Pay: ~$2,456.54.
Use this calculator before signing a lease on an apartment. Landlords look at gross income, but rent is paid from net income. Use the estimate to model a 50/30/20 budget against your post-tax income, then verify payroll deductions with your employer or current IRS guidance.
The calculator applies the 2026 federal bracket and standard-deduction assumptions shown in the tool, then estimates FICA and a simplified state tax rate. It does not model every withholding adjustment, pre-tax benefit, local tax, credit, or payroll form. Select the filing status that best matches your situation and verify the result with current IRS guidance.
This tool provides a baseline estimate. It does not account for pre-tax deductions like 401(k) contributions, HSA contributions, or employer health insurance premiums, which will lower your taxable income and your final take-home pay. It also uses simplified state tax brackets rather than exact localized municipal taxes.
Yes, it provides a simplified flat-rate estimation for the top 10 most populous US states, including 0% for states like Texas and Florida.
For most Americans, 22-35% of gross pay goes to combined federal income tax, state income tax, Social Security (6.2%), and Medicare (1.45%). The exact percentage depends on your filing status, state, and income level.
W-2 income is for traditional employees where the employer withholds taxes. 1099 income is for independent contractors who must pay their own self-employment taxes (15.3%) plus estimated quarterly taxes.
The calculator runs the displayed assumptions in your browser and supports quick what-if scenarios. Treat the result as a planning estimate, especially because state and payroll rules vary.
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