Paycheck Calculator

Federal income tax is progressive, so only the income that falls inside each bracket is taxed at that bracket's rate. The rates run 10%, 12%, 22%, 24%, 32%, 35%, and 37%, and the bracket ranges are wider for married filing jointly and head of household than for single filers. This calculator subtracts the income-tax deductions you enter and the standard deduction before applying those brackets.

FICA is the combined Social Security and Medicare payroll tax. Social Security takes 6.2% of wages up to $184,500 in 2026. Medicare takes 1.45% of all wages, plus 0.9% above the applicable threshold. This calculator applies FICA to gross wages because its single deduction input cannot distinguish a traditional 401(k), which remains subject to FICA, from a payroll HSA or some cafeteria-plan deductions, which may reduce FICA wages.

It depends on your state. Florida and Texas have no state income tax, so residents owe nothing there. This calculator applies a simplified flat 4% to California and New York wages (gross minus pre-tax deductions) purely as an illustration; both states actually use progressive brackets and extra rules, so treat the state figure here as a rough estimate only.

Enter deductions that reduce federal and state income tax, such as traditional 401(k) contributions. Do not use this field to estimate FICA savings. The calculator keeps Social Security and Medicare wages at gross pay because one combined input cannot determine whether a deduction is FICA-exempt.

Several deductions stack: federal income tax, Social Security at 6.2%, Medicare at 1.45%, any state income tax, your pre-tax contributions like 401(k) or HSA, and post-tax items like Roth 401(k) or wage garnishments. For someone earning $60,000 a year, filing single with no pre-tax deductions, federal income tax plus FICA alone runs about 16% of gross, before any state tax or other withholding.