Estimate your take-home paycheck after federal income tax, state income tax, Social Security, and Medicare — for any state and filing status.
What it means
We apply the 2025 federal tax brackets against your taxable income (gross minus 401(k) minus the federal standard deduction), then your state's brackets against state taxable income, and add FICA (6.2% Social Security up to the wage base of $176,100, plus 1.45% Medicare on all wages, plus an extra 0.9% on wages above $200,000).
This estimator covers federal income tax, state income tax, and FICA. It does not include local/city taxes (NYC, Yonkers, Philadelphia, Ohio cities, Maryland counties, etc.), pre-tax health insurance, HSA contributions, post-tax deductions, tax credits (CTC, EITC), or itemized deductions. For exact withholding, use your employer's payroll system or a CPA.
FAQ
Federal brackets and the Social Security wage base use the IRS 2025 inflation-adjusted figures. State rates use each state's published 2025 schedule where available, otherwise the most recent rate. Rates are refreshed annually.
Real paychecks use IRS withholding tables and your W-4 entries (extra withholding, multiple jobs, dependents). This calculator estimates the actual annual tax liability divided across pay periods, which is usually close but rarely identical to employer withholding.
No. Traditional 401(k) contributions reduce federal and state taxable income but are still subject to Social Security and Medicare tax. Roth 401(k) contributions don't reduce any current tax — switch contribution type via your employer if that matters for planning.
Local income taxes (NYC, Yonkers, Philadelphia, Ohio cities, Maryland counties, Indiana counties, Portland metro, etc.) are not included here. Treat the result as the state-level estimate and add local tax separately if it applies to you.