US Paycheck Calculator

Paycheck Information
$
State Tax Information
Deductions & Contributions
$
%
$
$
Advanced Options

Understanding Your US Paycheck

Federal Income Tax: Withheld based on your W-4 form and IRS tax brackets.

FICA (Social Security): 6.2% of wages up to the taxable maximum ($147,000 in 2022).

Medicare: 1.45% of all wages (additional 0.9% for high earners).

State Income Tax: Varies by state, with some states having no income tax.

401(k) Contributions: Pre-tax retirement savings that reduce taxable income.

Health Insurance: Premiums may be deducted pre-tax if through employer plan.

Single Filers
  • 10%: $0 - $10,275
  • 12%: $10,276 - $41,775
  • 22%: $41,776 - $89,075
  • 24%: $89,076 - $170,050
  • 32%: $170,051 - $215,950
  • 35%: $215,951 - $539,900
  • 37%: Over $539,900
Married Filing Jointly
  • 10%: $0 - $20,550
  • 12%: $20,551 - $83,550
  • 22%: $83,551 - $178,150
  • 24%: $178,151 - $340,100
  • 32%: $340,101 - $431,900
  • 35%: $431,901 - $647,850
  • 37%: Over $647,850

No Income Tax States: Alaska, Florida, Nevada, South Dakota, Texas, Washington, Wyoming

Flat Tax States: Colorado (4.55%), Illinois (4.95%), Indiana (3.23%), etc.

High Tax States: California (up to 13.3%), Hawaii (up to 11%), New York (up to 10.9%)

Local Taxes: Some cities (like NYC) have additional local income taxes

Advertisement

Ad Space (728x90)

Paycheck Examples
Salary Frequency Net Pay
$50,000 Biweekly ~$1,450
$75,000 Biweekly ~$2,050
$100,000 Biweekly ~$2,550
$150,000 Biweekly ~$3,600
Estimates for single filer with no deductions in California. Actual amounts vary based on withholdings and deductions.
Maximizing Take-Home Pay
  • 1. Adjust W-4 withholdings appropriately
  • 2. Maximize pre-tax retirement contributions
  • 3. Use FSA/HSA accounts for medical expenses
  • 4. Consider moving to a no-tax state
  • 5. Take advantage of all tax credits
Tax Saving Tips
  • 1. Contribute to 401(k) up to employer match
  • 2. Max out IRA contributions
  • 3. Itemize deductions if they exceed standard
  • 4. Harvest investment losses to offset gains
  • 5. Consider tax-efficient investments
Retirement Contribution Limits
Account 2023 Limit
401(k) $22,500
IRA $6,500
HSA $3,850
Catch-up (50+) +$7,500