CalcDime

Paycheck & Tax

Paycheck Calculator

Enter your salary and deductions to estimate what actually lands in your bank account each pay period. The result is an estimate, not a payroll guarantee.

$
%
$
Per month, pre-tax
%
Flat estimate; varies by state
Estimated take-home per paycheck$0
Gross per paycheck$0
Federal income tax$0
FICA (Social Security + Medicare)$0
401(k) contribution$0
Health insurance$0
State income tax$0
Annual take-home$0

How the paycheck estimate works

The calculator subtracts pre-tax 401(k) and health premiums from your gross salary, applies the standard deduction and federal brackets, adds FICA, and subtracts a flat state tax estimate.

Federal brackets used here are for the 2026 tax year. Social Security is taxed up to the 2026 wage base of $184,500; Medicare applies to all wages, with an additional 0.9% above $200,000 for single filers or $250,000 for married filing jointly.

Net = Gross − Federal − FICA − 401(k) − Health − State

This is a simplified estimate. Your actual withholding depends on your W-4, deductions, credits, local taxes, and benefits.

Frequently asked questions

Why is my actual paycheck different?

Actual withholding depends on your W-4, deductions, credits, pre-tax benefits, and state rules. This calculator uses a simplified federal estimate and a flat state rate.

What is FICA?

FICA is the payroll tax that funds Social Security and Medicare. Employees generally pay 6.2% for Social Security up to the annual wage base and 1.45% for Medicare on all wages.

Are 401(k) and health premiums pre-tax?

Traditional 401(k) contributions and most employer health premiums are deducted before federal income tax. This calculator treats both as pre-tax.

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates and may not reflect your exact situation.