Estimate your take-home pay from annual salary or hourly wages. Compare pay periods and view estimated federal income tax, Social Security, Medicare, and net pay.
Free to use — no sign-up required · Mobile-friendly
Understand the estimated difference between gross wages, taxes, deductions and net pay.
Calculate your paycheck
Your estimated paycheck
Take-home pay per paycheck
$—
Estimated after modeled taxes and deductions
Gross pay per check
$—
Federal income tax (estimate)
$—
Social Security (6.2%)
$—
Medicare (1.45%)
$—
Illustrative state tax
$—
Pre-tax deductions
$—
Estimated annual take-home
$—
Important: This is a planning estimate, not tax advice or a payroll quote. Federal brackets and deductions are simplified estimates, and the state rate is illustrative. Actual pay depends on current tax-year rules, location, W-4 settings, benefits, credits, and other circumstances. Verify with official IRS and state resources.
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How to use this paycheck calculator
Choose annual salary or hourly pay.
Enter gross pay before taxes. For hourly pay, enter your hourly rate and hours per week.
Choose your pay frequency and an illustrative state tax rate.
Select a federal filing status and optionally enter pre-tax deductions per paycheck.
Press Calculate take-home pay to view estimated net pay and the breakdown.
What is take-home pay?
Take-home pay, also called net pay, is the amount left after applicable taxes and deductions. Gross wages are not necessarily the amount deposited into your bank account. Federal income tax, Social Security, Medicare, state or local taxes, insurance, and retirement contributions can affect your final paycheck.
How is this estimate calculated?
The calculator annualizes salary or hourly wages, applies a simplified progressive federal income tax estimate, estimates Social Security and Medicare, and applies the state percentage you choose. It then divides the estimate across your selected pay frequency. It does not use official state-by-state tax tables.
Start with gross wages, then estimate federal income tax, Social Security, Medicare, applicable state and local taxes, and deductions. This tool provides a simplified estimate, so actual payroll may differ.
What is the difference between gross pay and net pay?
Gross pay is earnings before taxes and deductions. Net pay is the amount remaining after taxes and deductions.
How much is a $65,000 salary per paycheck?
Before taxes, $65,000 is about $2,500 per biweekly paycheck (26 checks), $2,708.33 semimonthly (24 checks), or $5,416.67 monthly (12 checks).
Does this tool use official state tax rates?
No. State rates are illustrative percentages. Real state and local taxes can include brackets, credits, and deductions. Check your state tax agency for an accurate calculation.
Is this paycheck calculator free?
Yes. It runs in your browser and does not require an account or sign-up.
Can it guarantee my exact paycheck?
No. Payroll depends on personal tax details, employer benefits, withholding elections, and current rules. Use the result for planning only.
Understand your paycheck breakdown
Our guide explains gross pay, net pay, pay frequency, and what this estimate does and does not include.