Your Pay Details
$
%
$
Your Paycheck Breakdown
Take-Home Pay
—
per paycheck
Calculate your take-home pay after federal taxes, Social Security, Medicare, and state taxes. Works for hourly and salaried employees.
Your gross pay goes through several deductions before you receive your net (take-home) pay. Federal income tax uses progressive tax brackets — you pay 10% on the first portion of income, 12% on the next, 22% after that, and so on. Social Security tax is 6.2% on wages up to $176,100 in 2025. Medicare tax is 1.45% on all wages. State income taxes vary by state from 0% (no income tax states like Texas and Florida) to over 13% in California.
Pre-tax deductions like 401k contributions, health insurance premiums, and FSA contributions reduce your taxable income before taxes are calculated, which is why maximizing pre-tax deductions is an effective way to legally reduce your tax bill while also saving for retirement and healthcare expenses.