Paycheck / Take-Home Pay Calculator (2025)
Estimate your net pay after federal tax, FICA and optional state tax — per paycheck and per year.
SingleMarried jointlyHead of householdMarried separately
AnnualMonthlyBiweeklyWeekly
AnnualPer paycheck
Take-home
79%
Take-home (per biweekly)
Take-home (annual)
$78,736
Total tax
$21,264
Effective tax rate
21.3%
Take-home $78,736Federal $13,614Social Security $6,200Medicare $1,450
Federal income tax
$13,614.00
Social Security (6.2%)
$6,200.00
Medicare (1.45%)
$1,450.00
Taxable income
$85,000
Estimate of federal withholding + FICA. State tax is a flat rate you enter and excludes local taxes, credits and other adjustments.
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How take-home pay is calculated (2025)
- Federal income tax on (gross − pre-tax deductions − standard deduction), using 2025 brackets
- Social Security: 6.2% of wages up to $176,100
- Medicare: 1.45% of all wages, plus 0.9% on wages above $200,000
- Optional state income tax: a flat % of taxable income
- Take-home = gross − pre-tax deductions − federal tax − Social Security − Medicare − state tax
2025 FICA payroll tax rates
| Tax | Rate | Applies to |
|---|---|---|
| Social Security | 6.2% | Wages up to $176,100 |
| Medicare | 1.45% | All wages |
| Additional Medicare | 0.9% | Wages above $200,000 |
Estimates only — actual paycheck withholding depends on your W-4, benefits and state/local rules. This is not tax advice.
Frequently Asked Questions
- What does this paycheck calculator include?
- It estimates federal income tax (2025 brackets), Social Security (6.2%), Medicare (1.45% plus 0.9% above $200,000) and an optional flat state income tax. The result is your take-home (net) pay per paycheck and per year.
- What is FICA?
- FICA is the payroll tax for Social Security and Medicare. Social Security is 6.2% on wages up to the 2025 wage base of $176,100; Medicare is 1.45% on all wages, plus an extra 0.9% on wages above $200,000.
- How do pre-tax 401(k) contributions affect my pay?
- 401(k) and similar pre-tax deductions lower your federal taxable income (and the income tax on it), but they are still subject to Social Security and Medicare. They also reduce cash take-home because the money goes into your retirement account.
- Does it include state income tax?
- You can enter a flat state tax percentage, which is applied to your taxable income. It does not model state brackets, local taxes, credits or other deductions, so treat the state figure as an approximation.
- Is this my exact paycheck?
- No. Actual withholding depends on your W-4, benefits, local taxes and employer setup. This is an estimate to help you plan, not tax advice.
📅 Last updated: June 2026 · Formulas follow standard banking / tax conventions · Results are for reference only.