Paycheck Deductions Calculator
Calculate your take-home pay after federal tax, Social Security, Medicare, and other deductions.
See exactly what comes out of your paycheck.
Your gross pay is what you earn before any deductions. Your net pay (take-home pay) is what actually lands in your bank account after mandatory and voluntary deductions.
Standard US paycheck deductions:
Federal income tax — withheld based on your W-4 filing status and taxable income bracket. This calculator uses simplified bracket estimates for illustration; actual withholding depends on your W-4 allowances.
2024 Federal Tax Brackets (Single filer):
- 10%: up to $11,600/year
- 12%: $11,601–$47,150
- 22%: $47,151–$100,525
- 24%: $100,526–$191,950
FICA taxes (always fixed rates):
- Social Security: 6.2% (on first $168,600 of wages in 2024)
- Medicare: 1.45% (no income cap)
- Additional Medicare: +0.9% over $200,000/year
State income tax — varies from 0% (Texas, Florida, Nevada) to 13.3% (California top rate). This calculator uses your entered rate.
Common voluntary deductions:
- Health insurance premium: varies ($50–$400/paycheck)
- 401(k) contribution: up to $23,000/year (2024) pre-tax
- HSA contribution: up to $4,150/year for individuals
- Dental/vision insurance: varies ($5–$50/paycheck)
How often are you paid?
- Weekly: 52 paychecks/year
- Bi-weekly: 26 paychecks/year (most common in the US)
- Semi-monthly: 24 paychecks/year
- Monthly: 12 paychecks/year
Example: $75,000/year salary, bi-weekly pay, single filer, 5% state tax: Gross per paycheck = $75,000 ÷ 26 = $2,884.62 Federal tax ≈ 18% effective = $519 FICA ≈ 7.65% = $221 State tax 5% = $144 Take-home ≈ $2,001 per paycheck / ~$52,000 per year